Search found 1651 matches

by barnaclebob
Mon Feb 27, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 22
Views: 798

Re: Outdoor grill: gas or electric?

I honestly had never heard of an electric grill. Please tell me they need a 220v hookup. There is no way a standard outlet can provide enough power for grilling.
by barnaclebob
Fri Feb 24, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Fund?
Replies: 9
Views: 631

Re: Is this a good time to buy more Total Bond Fund?

changes in allocation should be detemined by a reanalyzing your need and ability to take risk and not by current market conditions too much. Stocks up a ton and you are 5 years from retirement and have now have enough for a comfortable retirement? You may not have the need to take much risk. Same si...
by barnaclebob
Thu Feb 23, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Looking for suggestions for a Wine Cooler
Replies: 28
Views: 872

Re: Looking for suggestions for a Wine Cooler

We're a family of 4 and putting in one pan and two pots pretty much fills ours up. The regular dishes have to go in another load. We only have one dishwasher, so we often do two loads. That wouldn't be bad at all except it takes over two hours to do a load. Is that a full size dishwasher? 3 items f...
by barnaclebob
Thu Feb 23, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Looking for suggestions for a Wine Cooler
Replies: 28
Views: 872

Re: Looking for suggestions for a Wine Cooler

You shouldn't put in a wine cooler unless you have 2 dishwashers and still have room left over. The quantity of houses with 2 dishwashers vs 1 dishwasher and a wine cooler seems to disagree with that statement. How many people fill a whole dishwasher every day? If you do with a normal sized family ...
by barnaclebob
Thu Feb 23, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Looking for suggestions for a Wine Cooler
Replies: 28
Views: 872

Re: Looking for suggestions for a Wine Cooler

Whatever you buy, make sure you understand the cooling/venting requirements. My in laws had one installed that requires airflow behind the unit which they didn't know it needed. It overheats and shuts itself off so they need to do a little rework to provide ventilation to the backside of the unit.
by barnaclebob
Wed Feb 22, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Routine maintenance recommendations to prevent future costly repairs
Replies: 15
Views: 1138

Re: Routine maintenance recommendations to prevent future costly repairs

Once a month on furnace filters seems excessive, how dirty are they? I think the filters may actually need a little dust on them to be fully effective too.

I change mine when we start using the furnace in winter and its never that dirty (no AC so no air goes through it all summer)
by barnaclebob
Wed Feb 22, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me about Raymond James?
Replies: 28
Views: 3902

Re: Tell me about Raymond James?

Sounds like they've built a highly ethical culture built around letting their employees do well by their clients. Found this that might help: http://financialadvisoriq.com/c/1290043/145903 I had a coworker come in all proud about how his raymond james advisor was only going to be charging him a mea...
by barnaclebob
Wed Feb 22, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Talking sense
Replies: 36
Views: 2712

Re: Talking sense

Not sure where you are getting that from that page, but remember the caveat on the M* report " Rating, risk, and return values are relative to each fund’s Morningstar Category" ... and those 2 funds are in different categories, so the comparison is not really apples to apples. Notice that...
by barnaclebob
Wed Feb 22, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: What's my next move
Replies: 5
Views: 668

Re: What's my next move

I would start saving some money in taxable investments, you need some semi liquid money for expected large purchases.
by barnaclebob
Wed Feb 22, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: MyRA for Vacation Savings - Rollover Issue?
Replies: 12
Views: 741

Re: MyRA for Vacation Savings - Rollover Issue?

Better is the enemy of good enough. This is not worth the hassle.
by barnaclebob
Wed Feb 22, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 16
Views: 1779

Re: Help Please, My Identity is at Risk

I doubt the theft was just to get your personal info to take out some credit cards or buy stuff on amazon. It was likely some tweaker looking to get $50 so he can buy some pills. Unless you are a high profile person at a company that a foreign govt would have interest in, you are not special. When m...
by barnaclebob
Wed Feb 22, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: new lowest price rental car vendor
Replies: 7
Views: 624

Re: new lowest price rental car vendor

I've never seen anyone beat the local used car lot, $20 per day but the last time I used them I was under 25.
by barnaclebob
Wed Feb 22, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Tell me about Raymond James?
Replies: 28
Views: 3902

Re: Tell me about Raymond James?

Uncle Pennybags wrote:
Mel Lindauer wrote:I know I wouldn't want my daughter doing any door-to-door soliciting.
I just got that, ha ha. :D


Only took 6 years huh...
by barnaclebob
Wed Feb 22, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 38
Views: 1821

Re: Dishwasher suggestions. LG Quad Wash vs???

My in-laws have a meile and it is really nice. It initially had some had a problem where it wasn't installed properly and didn't drain well but since meile came out and fixed that issue they say its been flawless. Something about not having to hook it up to the vent stub thing next to the faucet. It...
by barnaclebob
Tue Feb 21, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Drones in arizona
Replies: 34
Views: 2625

Re: Drones in arizona

Please don't. Drones in wilderness settings are annoying to other people and they are banned from national parks and designated wilderness areas.
by barnaclebob
Tue Feb 21, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6312

Re: Which puppy to buy: golden retriever or labrador retriever?

Our lab managed to get into the bathroom, knock something into the sink causing the drain plug to go down and then flipped the water lever up. Flooded the finished basement and the carpet in the whole house had to be replaced. Don't ask my why my dad didn't make sure the sinks had overflow drains, I...
by barnaclebob
Tue Feb 21, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: home improvementl strategy
Replies: 19
Views: 2051

Re: home improvementl strategy

Don't take out a loan. Nothing says you have to do all of these at once. If the roof isn't leaking, wait until your student loans are paid off, save up and do that first.
by barnaclebob
Mon Feb 20, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Options
Replies: 5
Views: 233

Re: 401K Options

We would need to see the fees. The russell 1000 and 2000 funds are probably indexes so that might be a good start. What type of asset allocation are you wanting? There are a few other index funds on your list too that would be good candidates.
by barnaclebob
Sun Feb 19, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1171

Re: Is it worth filing an amended tax return?

Filing a 1040X was super easy in turbotax last year (accidentally filed before REIT 1099-DIV came in). The only PIA part was mailing it. If its worth $18 to mail an envelope then go ahead and file the 1040X. If not don't bother.
by barnaclebob
Fri Feb 17, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 31
Views: 1624

Re: Induction cooktop impressions?

I'd recommend looking at a miele. The electric oven is fantastic but we have the slighltly imperfect gas cooktop, maybe the induction model is good.
by barnaclebob
Fri Feb 17, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: hard wood floor
Replies: 7
Views: 500

Re: hard wood floor

If the wood isn't wet its not going to deteriorate. The previous owners of my house left a planter directly on the floors and 1/8" cracks opened up between those planks. It hasn't gotten worse in the last 6 years. You'd have to post pictures so we could judge how bad it is. To be honest if you ...
by barnaclebob
Fri Feb 17, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1582

Re: What to ask puppy breeder?

ask to tour all facilites where dogs are kept. That should tell you what you need to know.

To be honest a cavapoo sounds like any other generic yapper dog, I don't see the need for a designer breed here.
by barnaclebob
Thu Feb 16, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA - Cost Basis Options
Replies: 9
Views: 618

Re: Vanguard Roth IRA - Cost Basis Options

qazxs wrote:is spec id available or just avg cost?


Cost basis does not matter for Roth IRA's and I don't believe its available. You can buy and sell at will within a roth IRA without any tax reprocussions aside from any frequent trading policies of your broker.
by barnaclebob
Thu Feb 16, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2628

Re: Tires for an old car

I doubt the problem is the tires. A 2003 camry wont be able to spin the tires on dry pavement unless you hammer it. Even then it may not be able to. Also what do you mean it "feels" like the tires are spinning. You will know when the tires are spinning and it makes a very distinct noise. I...
by barnaclebob
Wed Feb 15, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Can I unify all my investment accounts in one?
Replies: 39
Views: 1862

Re: Can I unify all my investment accounts in one?

As for roth's, there is literally no way you could come out behind with them relative to a taxable account unless you violate the withdrawal terms and incur penalties Thx. I was replying to above sentence... Whatever you replied to with your online calculator doesn't have any relation to your recom...
by barnaclebob
Wed Feb 15, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Can I unify all my investment accounts in one?
Replies: 39
Views: 1862

Re: Can I unify all my investment accounts in one?

As for roth's, there is literally no way you could come out behind with them relative to a taxable account unless you violate the withdrawal terms and incur penalties Thx. I was replying to above sentence... Whatever you replied to with your online calculator doesn't have any relation to your recom...
by barnaclebob
Wed Feb 15, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 2757

Re: Gold vs 401k

What is the youtuber's motivation? Does he want to help you? Does he want to confirm his own belief system? Is he selling something? Is he trying to generate revenue from his video? Is his hypothesis that gold will beat stocks supported by any data other than backtesting? He might be right but nobod...
by barnaclebob
Wed Feb 15, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Can I unify all my investment accounts in one?
Replies: 39
Views: 1862

Re: Can I unify all my investment accounts in one?

Used online calculator, Try yourself and post results here (with numbers) about your good(?) advice INPUT : current age 35, contribution $5000/yr, growth rate 7% current tax 25% after retirement 15% Comparison spit out following report A Pre-Tax Account may be worth $15,646 more than a Roth (after-...
by barnaclebob
Wed Feb 15, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Can I unify all my investment accounts in one?
Replies: 39
Views: 1862

Re: Can I unify all my investment accounts in one?

Agree with OP. I also face same situation. Not only it is difficult to manage but very inefficient way of investing in chunks of money in 6-10 different 'type' of accounts. That is just to get few tax crumbs thrown at us after retirement. And the restrictions on withdrawls and massive ordinary rate...
by barnaclebob
Wed Feb 15, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1965

Re: Where to buy rare steaks?

I was surprised to read that Costco blade tenderizes their beef.... so I had to look it up. It appear like at least some of their beef is tenderized, and they say it is labeled as such. I buy about 50% - 75% of my steak from Costco (prime rib-eyes lately - $$). The warning is in small, unobtrusive ...
by barnaclebob
Tue Feb 14, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1965

Re: Where to buy rare steaks?

+1 again for Costco. Quick sear a minute or two on each side then let it rest a bit and enjoy You guys must have better Costcos. I've given up getting steaks from there. No problems with other meats, but steaks have been extremely disappointing. Have you been getting prime steaks from costco? I get...
by barnaclebob
Tue Feb 14, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Talking sense
Replies: 36
Views: 2712

Re: Talking sense

Not sure where you are getting that from that page, but remember the caveat on the M* report " Rating, risk, and return values are relative to each fund’s Morningstar Category" ... and those 2 funds are in different categories, so the comparison is not really apples to apples. Notice that...
by barnaclebob
Tue Feb 14, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10124

Re: Bogleheads not the norm?

Anyone who lives below their means will feel rich. However for some people that can be difficult due to their income and cost of living.
by barnaclebob
Tue Feb 14, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2130

Re: Retaining Wall

I'd argue with the contractor that since you have documented proof that the wall was built incorrectly that they are on the hook to fix it until it doesn't fail.
by barnaclebob
Mon Feb 13, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Talking sense
Replies: 36
Views: 2712

Re: Talking sense

Yeah morning star has the best charts that I know of because for the most part they show total return. I just wanted to make sure you saw how volatile the fund you chose can be. Yes its less volatile than stocks but it might not have the effect you were looking for especially when we have another cr...
by barnaclebob
Mon Feb 13, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2188

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

I have no cash except for $10k in a money market fund to use as a credit card buffer. 80/20 stock bonds otherwise.
by barnaclebob
Mon Feb 13, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14816

Re: Why do you go to restaurants?

After reading all the replies so far, I can say that I am still not convinced that I should go to eat at restaurants more often. By the way, the restaurant that we usually go when we want to is Red Lobster restaurant. Go to restaurants with only one location nationwide. (yes there are good national...
by barnaclebob
Mon Feb 13, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Talking sense
Replies: 36
Views: 2712

Re: Talking sense

Wound up allocating 40% of the 401(k) to BSIIX (Blackrock Strategic Income Opportunity Fund). Should return more than cash and be less volatile than the equities. What other bond choices does your 401k have. This one seems pretty risky for bonds to me, not to mention a possibly high .59%ER unless y...
by barnaclebob
Mon Feb 13, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Talking sense
Replies: 36
Views: 2712

Re: Talking sense

Wound up allocating 40% of the 401(k) to BSIIX (Blackrock Strategic Income Opportunity Fund). Should return more than cash and be less volatile than the equities. What other bond choices does your 401k have. This one seems pretty risky for bonds to me, not to mention a possibly high .59%ER unless y...
by barnaclebob
Mon Feb 13, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Talking sense
Replies: 36
Views: 2712

Re: Talking sense

If you feel that you have won the game or nearly so then I would just start shifting to a more conservative portfolio. Maybe up your bond/cash allocation % by 5 to 10% a year until you get to 50 or 60% bonds/cash. If it were me I'd think about 50/40/10 Stock/Bonds/Cash with the bonds being split eve...
by barnaclebob
Mon Feb 13, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 4072

Re: What to do with daughter's $100

Your daughter needs a reality check. It sounds like you are in enabler territory if you have to beg your daughter to save $100 at age 32. Her best bet is to become a teacher for a career. "Immersing" herself in Japanese culture at this point means to go to Japan to each English for a year ...
by barnaclebob
Thu Feb 09, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Plumbing issue - advice sought
Replies: 47
Views: 3706

Re: Plumbing issue - advice sought

I can't see why opening a t 10x10 area is necessary but I agree that a burst is not a huge concern unless maybe you get some kind of pressure spike from water hammer or something like that. I'd go with plumber 1. It sounds like you have found the leak but you may as well do the additional tests beca...
by barnaclebob
Thu Feb 09, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Here...where to buy?
Replies: 7
Views: 734

Re: Beginner Here...where to buy?

Vanguard is great but the reports of poor customer service, mishandling cost basis, and other account issues have been increasing. If you need better service you may want to look at fidelity. They have good index funds I believe.
by barnaclebob
Thu Feb 09, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Tax question - Itemizing
Replies: 16
Views: 1068

Re: Tax question - Itemizing

Gotcha. I don't know what my 2017 property taxes will be yet, my county hasn't mailed it. How would I pay 2018 property taxes in 2017 if I don't know the bill? Do you just pay the same as 2017 and then adjust as necessary once you have the bill? Your county will let you know how much you will owe i...
by barnaclebob
Thu Feb 09, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Tax question - Itemizing
Replies: 16
Views: 1068

Re: Tax question - Itemizing

Are you married or single? There are a few tricks with your property taxes that you might be able to itemize every other year and get a bigger deduction. You might also be able to prepay state taxes in those years. If you are single with the $6300 standard deduction its probably not worth the troub...
by barnaclebob
Thu Feb 09, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8676

Re: Saved too much? What do you splurge on?

Buy nice woodworking tools and start making some heirloom quality furniture.
by barnaclebob
Thu Feb 09, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Tax question - Itemizing
Replies: 16
Views: 1068

Re: Tax question - Itemizing

Are you married or single? There are a few tricks with your property taxes that you might be able to itemize every other year and get a bigger deduction. You might also be able to prepay state taxes in those years. If you are single with the $6300 standard deduction its probably not worth the troubl...
by barnaclebob
Wed Feb 08, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Where to buy pearl stud earrings?
Replies: 12
Views: 1249

Re: Where to buy pearl stud earrings?

BarnacleBob is right: get Akoya premium. Hmm, maybe I could use a new pair of pearl earrings :happy I only see "Classic" and "Premier" Akoya Cultured Pearl earrings on the Blue Nile site. I assume you mean Premier, right? I guess these are supposed to be higher quality (luster, ...
by barnaclebob
Wed Feb 08, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 40
Views: 3531

Re: Rule of Thumb for Getting Rid of Car

As a fellow car guy I see the point you are making, but spending $100 and driving a 2005 Mini for another decade is extremely unrealistic. Let me rephrase a bit. Even if I put $200 worth of parts in the thing every single year, it would be a cheap vehicle to drive because it is mostly depreciated o...
by barnaclebob
Tue Feb 07, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth First timer
Replies: 8
Views: 783

Re: Backdoor Roth First timer

You can only contribute a total of 5500 no matter if some goes into a roth IRA or a traditional IRA, not 5500 to each. Thanks Bob. Do you know if an early retiree with dividend income only can contribute to a Roth too? Not sure if that qualifies as earned income. A quick google search indicates tha...

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