Search found 1381 matches

by barnaclebob
Fri Jul 29, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: Timeshares, again
Replies: 31
Views: 2099

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: 9
Views: 1383

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: 2843

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: 5
Views: 492

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: 40
Views: 3029

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: 40
Views: 3029

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: 19
Views: 1384

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: 555

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: 29
Views: 1814

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: 1167

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: 1223

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: 24
Views: 3201

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: 3209

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: 185
Views: 14580

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: 1445

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: 1484

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: 31
Views: 1605

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: 2787

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: 31
Views: 1605

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: 1484

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: 31
Views: 1605

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: 3032

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: 31
Views: 1605

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: 4442

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: 2575

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.
by barnaclebob
Wed Jul 20, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 6525

Re: Adopt my Girlfriend???

Or you could you know get married...
by barnaclebob
Wed Jul 20, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 73
Views: 7267

Re: Gardening 2016

Ok, here is the latest update including an interesting tale from the garden. First the story...last year we had spaghetti squash and I saved seeds, planting the seeds inside in April. The two seeds germinated and after a month were transplanted to the garden. The plants grew, but seemed to have a s...
by barnaclebob
Wed Jul 20, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: I froze my credit, here's what happened next...
Replies: 20
Views: 3512

Re: I froze my credit, here's what happened next...

A credit freeze wont really protect you against the most common type of credit card fraud. How many people really get new cards opened in their name? I'm going to guess its very few relative to the number that have had fraudulent charges on already open cards.
by barnaclebob
Tue Jul 19, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance
Replies: 8
Views: 822

Re: Pet Insurance

I personally would only have pet insurance for the first few years of a pets life when congenital issues may become apparent. After that most of the care is probably squeezing and extra year out of Fluffy at the end of her life which in many cases is just the owners being selfish vs. caring about th...
by barnaclebob
Mon Jul 18, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Possible Water Spot on Ceiling
Replies: 16
Views: 1133

Re: Possible Water Spot on Ceiling

First take a look around the back of cabinets and toilets for a leak that you might be able to fix yourself.
by barnaclebob
Fri Jul 15, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing down payment for car
Replies: 37
Views: 1850

Re: Investing down payment for car

Awesome! Thanks for that, which Vanguard short-term bond fund do you recommend? If it were me I'd be using http://www.morningstar.com/funds/xnas/vbirx/quote.html Please make sure the returns for the past year or two are worth the risk over a money market or checking account. Should interest rates r...
by barnaclebob
Fri Jul 15, 2016 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing down payment for car
Replies: 37
Views: 1850

Re: Investing down payment for car

For 20k you should be buying a whole car, not just a down payment... Anyway the riskiest you should be in is short term bonds. That is most of the car, plus a trade in. I will only owe about 7-8k. And it will be the only debt I have. If I put it in short-term bonds, in a taxable account, what would...
by barnaclebob
Fri Jul 15, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Investing down payment for car
Replies: 37
Views: 1850

Re: Investing down payment for car

For 20k you should be buying a whole car, not just a down payment...

Anyway the riskiest you should be in is short term bonds.
by barnaclebob
Thu Jul 14, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: 24 year old new driver - Debating getting or not getting collision auto insurance
Replies: 15
Views: 1059

Re: 24 year old new driver - Debating getting or not getting collision auto insurance

Those rates sound ridiculously high, have you talked to a real agent or are these internet quotes? If your rates are really that high I would be driving a super cheap junker and have state minimum coverage until I triggered whatever events in the computer that cause my rates to go down. Do you have ...
by barnaclebob
Thu Jul 14, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 4385

Re: Car Buying Dilemma

Be aware that nissan has been having CVT issues. I don't know if they have the issue fixed on their new generation (starting in 2013 or 2014) CVT's yet.
by barnaclebob
Wed Jul 13, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Purchase Timing
Replies: 4
Views: 239

Re: Purchase Timing

Yep, a few % of $5500 you might gain from a lucky market time is nothing in the long run. Get the money into the market ASAP
by barnaclebob
Wed Jul 13, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: I am doing this! First time Home Buyer. How do you choose an Attorney?
Replies: 16
Views: 1415

Re: I am doing this! First time Home Buyer. How do you choose an Attorney?

I did not have a real estate attorney and my home purchase went fine...
by barnaclebob
Wed Jul 13, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: Gift Giving for Internal Meeting
Replies: 7
Views: 572

Re: Gift Giving for Internal Meeting

I'd prefer receiving a nice foreign treat over some office trinket that I don't need.
by barnaclebob
Wed Jul 13, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Landlords: Seeking advice on tenant not paying rent
Replies: 6
Views: 1083

Re: Landlords: Seeking advice on tenant not paying rent

I would send out the late rent notices like you said then contact him and try to convince him to let you break the lease agreement so you can avoid the eviction process.
by barnaclebob
Tue Jul 12, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 12845

Re: Are you going to shop on Prime Day?

I'm actually kind of amazed that they are doing it again after all the negative feedback it received last year. I'll take a look again this year but it was nothing special. There was a lot of "viral" negative and humorous media but the actual sales figures were great as far as I understan...
by barnaclebob
Tue Jul 12, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6243

Re: Private vs State School?

Can you afford the private school? Is your son doing well at the private school? What is his major?
by barnaclebob
Tue Jul 12, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Auto Co Equipment or After Market?
Replies: 11
Views: 713

Re: Auto Co Equipment or After Market?

At 162k miles, your car may die at any time now. Could be 5k miles, could be 50k. Personally if I were to repair the car, I'd go with the cheaper aftermarket. You are looking to get around 40k miles at most out of the new part realistically, no need to buy a more expensive part that could last 100k ...
by barnaclebob
Mon Jul 11, 2016 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: S&P500 vs 3.5% Guaranteed
Replies: 22
Views: 2776

Re: S&P500 vs 3.5% Guaranteed

You lost out on this round of timing and you may lose on the next. Or the market may go up 20% in the next year...
by barnaclebob
Mon Jul 11, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Less than 24 hour delivery with Amazon & on Sunday
Replies: 41
Views: 2502

Re: Less than 24 hour delivery with Amazon & on Sunday

Both of my children ordered items using their free "Prime" memberships. One took three weeks to arrive and the other never arrived. Were they ordering stuff from china? Certain items ship directly from china and will take a few weeks to arrive. Just because you have a prime membership doe...
by barnaclebob
Mon Jul 11, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Less than 24 hour delivery with Amazon & on Sunday
Replies: 41
Views: 2502

Re: Less than 24 hour delivery with Amazon & on Sunday

quantAndHold wrote:People can find the weirdest things to complain about.


I think a lot of people want to hate amazon and will find any reason to validate their feelings.
by barnaclebob
Mon Jul 11, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Car for teenage son
Replies: 42
Views: 2989

Re: Car for teenage son

I wouldn't spend 2500 on a minivan with 180k miles. Look for used civics or corolla's that are several years old with about 60k on the odometer.
by barnaclebob
Sun Jul 10, 2016 12:41 am
Forum: Personal Consumer Issues
Topic: Simpliest Maintenance Single Family Home (AZ)
Replies: 24
Views: 2264

Re: Simpliest Maintenance Single Family Home (AZ)

There is a difference between a 2 hour diy light fixture replacement and a diy new shower. You will be retired so spending 2 hours a few times a year isn't a big deal. Just break out the checkbook when a task requires more time than you want to spend.
by barnaclebob
Sat Jul 09, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 3034

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

My rotors are warped. I didn't know before. Have been driving for 5 years with warped rotors, thought it was weird shaking during braking. I just leave it alone -_-;? If it's very very minor you might be able to let it go. My rotors were warped and it wasn't too bad except for medium to heavy braki...
by barnaclebob
Sat Jul 09, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Employment ideas for former Police?
Replies: 37
Views: 2495

Re: Employment ideas for former Police?

There are internal corporate investigation, government compliance, and security jobs which you might be a fit for. Look for big companies that have government contracts.

Go to advanced search