Search found 1545 matches

by barnaclebob
Sat Jan 14, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Cardinal Sin - went to cash the day before 2016 election
Replies: 42
Views: 4337

Re: Cardinal Sin - went to cash the day before 2016 election

Just put it back to what it was before and be prepared to pay more for your unlucky decision should the market drop 10%.
by barnaclebob
Fri Jan 13, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 3023

Re: Stay in paid-off starter house vs. dream house+work a few more years

I'd buy the bigger house. Seems like it would only mean working for another two or three years and you will still have an amazingly early retirement.
by barnaclebob
Fri Jan 13, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor, small windfall
Replies: 12
Views: 1677

Re: Young Investor, small windfall

It sounds like you are doing the right thing by allocating part of your payout to your brother, who it was likely intended to help pay for.

I would not use the money for a down payment either and use it to directly cover expenses related to your brother while he is under your guardianship.
by barnaclebob
Fri Jan 13, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: "Millennials are falling behind their boomer parents"
Replies: 24
Views: 1643

Re: "Millennials are falling behind their boomer parents"

I think I've read that millineals that make enough to save, do so at relatively high rates compared to baby boomers. We have seen that the market may not be dependable and that the future promises of pensions (if you can find one) and social security can be broken.
by barnaclebob
Fri Jan 13, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: 100% equities in Roth part of portfolio?
Replies: 16
Views: 1541

Re: 100% equities in Roth part of portfolio?

There are many that agree with what you propose. Much of the "keep bonds in tax sheltered accounts" doxology seems to have come from when bond returns were much high and they consequently had more taxable dividends. That situation may one day return, we don't know. Personally my roth is TR...
by barnaclebob
Thu Jan 12, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: Stock dilution, questions
Replies: 4
Views: 248

Re: Stock dilution, questions

One area of the stock market that I don't feel I understand very well is how stock dilution works. I mean, I understand it mechanically: ownership interest is (disregarding share class/etc): (# shares owned) / (# shares outstanding) If shares outstanding increases, ownership interest goes down (unl...
by barnaclebob
Thu Jan 12, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 119
Views: 5952

Re: How much do you typically spend in a restaurant?

That sounds about the same as the Seattle area. $65 to $75 for entrees and a couple beers including tip and tax. Add some appetizers or fancy cocktails and you are in the $100 range for two. High end restaurants run us $150 to $250 total.
by barnaclebob
Thu Jan 12, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 53
Views: 3668

Re: Keeping kitchen knives sharp

Of course. :) I just found the inconsistency of what the Henckel rep said humorous. Perhaps I should have highlighted that better (as I have modified my quote above). Many times sales people will dumb down concepts with anecdotes such as "honing steels don't remove metal" because in a way...
by barnaclebob
Thu Jan 12, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: downhill skiing
Replies: 32
Views: 2143

Re: downhill skiing

sarahjane wrote:At what age did you give up downhill skiing? I'm 76.


humblebrag... :D
by barnaclebob
Thu Jan 12, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 53
Views: 3668

Re: Keeping kitchen knives sharp

I once went to an demonstration on the care of knives. It was held at a local store and the demo was given by a Henckels factory representative. His advice was not to use any abrasive method. He said that removes metal from the knives. He recommended using only a sharpening steel. He said that a st...
by barnaclebob
Wed Jan 11, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Bonded Leather
Replies: 12
Views: 1063

Re: Bonded Leather

I think you are SOL. Don't buy cheap bonded leather for longevity.
by barnaclebob
Wed Jan 11, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 53
Views: 3668

Re: Keeping kitchen knives sharp

First and foremost you need to start with knives that don't have crappy metal which wont hold an edge well. I don't know exactly how to tell this but Wustoff seems to be good. I sharpened my in laws Kitchenaid branded knives last summer and you'd have a tough time breaking skin with them by now. Sec...
by barnaclebob
Mon Jan 09, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Predicting future Net Worth
Replies: 31
Views: 3964

Re: Predicting future Net Worth

The retirement projections at my company say I'll have like 400k a year in retirement not including taxable accounts. I don't believe that number since I'm so far out. IMO these kind of projections aren't really valuable until your very near retirement and your expeses are known. I don't have kids y...
by barnaclebob
Mon Jan 09, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: How to replace shower arm pipe? Plumbing question.
Replies: 26
Views: 1465

Re: How to replace shower arm pipe? Plumbing question.

The best thing to do is shut off the water and let it drain out of the shower head so you don't accidentally bump the shower on and have water spray inside of your walls. But otherwise this should be a simple job as others have stated. You may want to inspect that your joint doesn't leak every time ...
by barnaclebob
Fri Jan 06, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 77
Views: 3270

Re: What monetary value has your education provided you?

It never occurred to me that it was supposed to have a monetary value. I thought it was supposed to develop ("e-duc", draw out) my mental abilities, provide me with knowledge, and enhance my ability to do critical thinking. This is the kind of thinking that has kids today near 6 figures o...
by barnaclebob
Fri Jan 06, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 77
Views: 3270

Re: What monetary value has your education provided you?

Man, most of you with these high multiples must have paid less than 5 figures a year for your degrees. I'll need a 50 to 60 year career to get a 100x multiple on my engineering degree, just in salary, not increased salary...
by barnaclebob
Fri Jan 06, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: What To Do With Large Bonus
Replies: 16
Views: 2197

Re: What To Do With Large Bonus

I'd for sure pay off the car. Then if it were me, I'd put half towards the house and half towards taxable investments after maxing out retirement options.
by barnaclebob
Fri Jan 06, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3667

Re: Is a prenup always necessary when remarrying?

No...a prenup should not be needed because someone should not remarry for the 2nd time. Marriage is nothing more than a contract between 2 people recognized by the state. Thats it. Your relationship will not change whether you sign that contract or not. Dont do it! How the state and federal governm...
by barnaclebob
Fri Jan 06, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3667

Re: Is a prenup always necessary when remarrying?

I would for sure have a prenup in this situation. I don't have a prenup with my wife now. We both had very little in the way of assets when we were married.
by barnaclebob
Fri Jan 06, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: can this whole pay period go to 2017 401k?
Replies: 4
Views: 473

Re: can this whole pay period go to 2017 401k?

I believe its the pay date. There was thread awhile ago where someone was actually paid on the 30th but their company had a few days delay to have 401k contributions show up and that pay periods contribution went towards the previous year.
by barnaclebob
Fri Jan 06, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 82
Views: 14578

Re: Should I invest my emergency fund?

Once your taxable account grows large enough then you don't need a dedicated "6 months" or whatever emergency fund. I just base my emergency fund (kept in credit union money market) as the amount of cash I want to be able to have on hand nearly immediately should the need arise. That happe...
by barnaclebob
Fri Jan 06, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with asset LOCATION and rebalancing
Replies: 23
Views: 1053

Re: I need help with asset LOCATION and rebalancing

Do you have a stable value fund option in your 401k? You can treat that as bonds. I wouldn't worry about the extra 2% in international at this point, just rebalance the US/Bond Ratio for now. Personally I have each of my accounts as a separate portfolio but my 401k has good options and rebalances fo...
by barnaclebob
Fri Jan 06, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What to do when company won't honor exchange policy/warranty?
Replies: 10
Views: 812

Re: What to do when company won't honor exchange policy/warranty?

You at least need to know the time limit to initiate any chargeback. I wouldn't worry about any collections issues until they happen. Send Dell an email saying you are initiating a chargeback and will send them the laptop when you get your money back. Now, if you would rather have the damaged laptop...
by barnaclebob
Thu Jan 05, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard can't figure out how to do a simple Roth recharacterization - help!
Replies: 3
Views: 391

Re: Vanguard can't figure out how to do a simple Roth recharacterization - help!

Vanguard had no issues doing a recharacterization for me yesterday. I accidentally contributed directly to my Roth instead of trad IRA for doing a backdoor conversion. Did you say that you wanted to re characterize the entire "lot" that you previously converted? The word "lot" mi...
by barnaclebob
Wed Jan 04, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: 2017 Backdoor Roth IRA strategy
Replies: 6
Views: 521

Re: 2017 Backdoor Roth IRA strategy

You'll be in the same boat with a lot of other people on this forum so I wouldn't worry about it and proceed as normal.
by barnaclebob
Wed Jan 04, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 9948

Re: Max It Out Tomorrow

I will never max out on the first day again, last year sucked! I will be using a plan similar to Livesoft. At first I did not know what you were referring to as "last year sucked!". I looked at prices and saw that Total US Stock dropped about 10% over the first month. Is that what you are...
by barnaclebob
Wed Jan 04, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Torn Envelope
Replies: 11
Views: 1704

Re: Torn Envelope

Caduceus wrote:Lesson learned. Next time - I will request Fedex for important documents. NO MORE USPS!


Or have them send it in a priority mail cardboard envelope instead of first class. Your letter was damaged mainly due to the poor packaging.
by barnaclebob
Wed Jan 04, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - do I have it right?
Replies: 9
Views: 611

Re: Backdoor Roth - do I have it right?

How long does it take for VG to settle the tIRA contribution in order to convert? I made a contribution (source is a bank account) to my tIRA on the morning of 3rd. I expected that the funds will be available after close (4 PM eastern) to convert to ROTH IRA. However, as of this morning, my funds s...
by barnaclebob
Wed Jan 04, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Torn Envelope
Replies: 11
Views: 1704

Re: Torn Envelope

I wouldn't worry about it but thats just me.
by barnaclebob
Tue Jan 03, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 670
Views: 15991

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

2525.00

In the year 2525 if man is still alive. If woman can survive, they may find....
by barnaclebob
Tue Jan 03, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: A kitchen timer made in the USA.........
Replies: 22
Views: 1732

Re: A kitchen timer made in the USA.........

Another vote for thermoworks, they make quality products.
by barnaclebob
Tue Jan 03, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh! Scratched my brand new stainless steel stove
Replies: 19
Views: 1888

Re: Ugh! Scratched my brand new stainless steel stove

I don't see why there have been so many recommendations on achieving a mirror polish. I don't think I have ever seen a commercially available mirror polished appliance.
by barnaclebob
Thu Dec 22, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 6505

Re: Grocery cart rolls into side of car, dent, scratched

Personally, I don't care if the coffee was too hot. Hot coffee is hot, what a novel thought. I you put a hot coffee between your legs, it is predictable that you might get burned. You deserve whatever happens. If I was on the jury, I wouldn't have given her a dime and if possible I would want her t...
by barnaclebob
Thu Dec 22, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 6505

Re: Grocery cart rolls into side of car, dent, scratched

+1. I equate this activity to frivolous lawsuits tying up our courts. "I'm suing because no one told me coffee is hot." That is actually a poor example to use if you read the facts of why McDonalds shouldn't have had their coffee that hot and why they got hit with such a large punative ju...
by barnaclebob
Thu Dec 22, 2016 12:14 am
Forum: Personal Consumer Issues
Topic: White Spot on TV - Caused by Router?
Replies: 22
Views: 1256

Re: White Spot on TV - Caused by Router?

Its not a dead pixel. A dead pixel is when a single pixel is stuck in a certain color. Im guessing this is an edge lit LED and for whatever reason the lighting has become defective.

What happens when you flex that area by pushing on the bezel?
by barnaclebob
Wed Dec 21, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-pay mortgage vs Taxable?
Replies: 54
Views: 3293

Re: Pre-pay mortgage vs Taxable?

We have a similar income and pay extra principle and invest in taxable. Our interest rate is 2.75% so the market will likely to better than that but it sure feels good to be nearing owing less than 6 figures.
by barnaclebob
Wed Dec 21, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Event Fee at Restaurants?
Replies: 22
Views: 2315

Re: Event Fee at Restaurants?

I'd call them back and say you'll book now if they waive the fee.
by barnaclebob
Wed Dec 21, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Raising money for a family in need - How To Question (tax related)
Replies: 19
Views: 1414

Re: Raising money for a family in need - How To Question (tax related)

Are you trying to keep control of the money as miamivice implies or simply hand them a big check trusting the parent will do the right thing (e.g. keep it in the bank for needs and set some aside for college, etc.)? If the latter I don't know why you need to over-complicate it. Have everyone simply...
by barnaclebob
Wed Dec 21, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: How should I save for a car?
Replies: 9
Views: 532

Re: How should I save for a car?

I save for large purchases in total bond market. If it has a bad month, like last month, right before I need the money then it just means drawing it down a little more than intended and having to build it back up with subsequent paychecks.
by barnaclebob
Wed Dec 21, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Car repair under warranty - didn't use dealership
Replies: 7
Views: 928

Re: Car repair under warranty - didn't use dealership

Always google any non standard work on your car before actually getting it, you are likely not the first to have a certain issue. Mechanics can't keep on top of every single car manufacturer's "courtesy" extended warranties.
by barnaclebob
Tue Dec 20, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Kitchen Renovation - Cash or Loan?
Replies: 22
Views: 1265

Re: Kitchen Renovation - Cash or Loan?

Why do you need a full kitchen renovation? Are your cabinets falling apart or something? You have a decent retirement savings but you have essentially been buying on margin. If you just have to have a new kitchen I'd pay for it with the taxable investments instead of taking a loan. New doors and pai...
by barnaclebob
Tue Dec 20, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Best Car Value For $10K Or Less
Replies: 30
Views: 2024

Re: Best Car Value For $10K Or Less

Your best bet to minimizing $/mile is to spend $300-$500 on tools to do basic maintenance yourself. Brakes, most belts, all fluids, and most suspension components are easily serviceable in a driveway or garage.
by barnaclebob
Mon Dec 19, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mother saying she will put in 10k for my new car purchase. Anyway I can make this certain in writing?
Replies: 41
Views: 1850

Re: Mother saying she will put in 10k for my new car purchase. Anyway I can make this certain in writing?

I understand why you want to protect yourself. What you can do is negotiate the purchase price and then let your mom know that you need the money to go buy the car. She could write the check straight to the dealer. If she doesn't come through then all you have done is wasted some time.
by barnaclebob
Sun Dec 18, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: Which car paint option Maaco
Replies: 40
Views: 3274

Re: Which car paint option Maaco

Based on what you said, I'd spring for the $2200 option assuming the warranty isn't full of "gotcha's". Read the fine print about their warranty. For example, do they paint over the old paint or strip it? Should the old paint be cause of the new paint failing would that be covered?
by barnaclebob
Fri Dec 16, 2016 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good idea or a terrible idea? [sell taxable to do backdoor Roth]
Replies: 9
Views: 1043

Re: Is this a good idea or a terrible idea? [sell taxable to do backdoor Roth]

The $11000 is fungible so it doesn't matter where it comes from. Most would argue that you never want to miss out on funding a roth if you can help it because that money is never taxed again. What do you need the taxable money for? Can you pay down the loan and fund the roth? What are the gains on t...
by barnaclebob
Fri Dec 16, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Buy a car or repair the old one
Replies: 17
Views: 1530

Re: Buy a car or repair the old one

First I'd research if this is something you can DIY fix. Head gaskets sound scary and like you have to be an expert but I bet there is a step by step tutorial or video of it on the internet. If you can turn a wrench and follow instructions and can stand having your car down a couple days then it mig...
by barnaclebob
Fri Dec 16, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: 401k layman terms please
Replies: 16
Views: 1082

Re: 401k layman terms please

There is a lot there, what specifically don't you understand? I'd visit the wiki on this page to learn about 401k's and roth 401k's in general. Google is your friend too.
by barnaclebob
Thu Dec 15, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Cancel collision coverage on older car?
Replies: 40
Views: 2601

Re: Cancel collision coverage on older car?

I'd keep it. I have collision coverage on my old car worth 2 to 3k because its only like $60 a year. Since your car is so expensive to fix its probably even better to keep the coverage because you are more likely to have the car totaled out. You can then decide to repair it and have a salvage title ...
by barnaclebob
Thu Dec 15, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3097

Re: 4runner vs. Highlander?

I'll be replacing my 2001 Pathfinder with a 4runner assuming Toyota doesn't ruin it with the suspected new generation in 2018. The 2017 model will tweak the names of the trim options to include TRD branding.

I assume with the 3rd row seating you are looking at the 4Runner Limited?
by barnaclebob
Wed Dec 14, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7169

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Here are the typical boglehead responses for this topic:

1) FWD with snow tires can be superior to AWD with all season tires.

2) Buy a subaru.

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