Search found 1434 matches

by barnaclebob
Fri Sep 23, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 59
Views: 2184

Re: Cosigning a new car lease for sister out of state

Cosigning in general is a bad idea in most cases. With these terms, POA, and inconsistencies its extremely foolish. if your sister can pay for the full cost of the lease up front she should be able to afford a decent used car. What is the total cost of the lease that she can front? Is it 21k that I ...
by barnaclebob
Thu Sep 22, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 28
Views: 2078

Re: Audi Service Dealership Cost too high? Where should I take it?

I bet a volkswagon dealer would be cheaper if you can't find an independent dealer to do the work. You could also buy the fluid from the Audi dealer (or online) and have an independent change the fluid. My Nissan says it requires Nissan CVT fluid but Valvoline CVT fluid has been good for over 10k mi...
by barnaclebob
Thu Sep 22, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Bad Supervisor - Involve Union?
Replies: 37
Views: 3260

Re: Bad Supervisor - Involve Union?

I agree, call a union rep and see what they have to say. Bad managers are usually bad at making sure they follow all of the union rules.
by barnaclebob
Wed Sep 21, 2016 3:27 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8743

Re: Disappointing News Wells Fargo

Wait, they fired 5,000 people didn't they? How is that not doing anything to stop it? Now, they may have grossly mismanaged the situation by not addressing the root causes sooner and being transparent with shareholders. And for that, I wouldn't be opposed to executive level departures and claw back...
by barnaclebob
Wed Sep 21, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 51
Views: 3751

Re: Edward Jones exodus from American Funds?

I don't intend to imply whether American funds are good or bad, but if I was an EJ client (which I'm not) I'd be very disturbed by an advisor telling me he had to sell all my funds to comply with the new fiduciary standard. That's the same thing as admitting he wasn't acting in my best interest bef...
by barnaclebob
Wed Sep 21, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8743

Re: Disappointing News Wells Fargo

I've been a WF customer for over 20 years. I have never paid a 'fee' that many here claim that big banks always charge. They have always taken care of any and all needs I've had quickly and efficiently, and I didn't lose a penny in this ordeal, nor did my credit score suffer......I will remain a cu...
by barnaclebob
Wed Sep 21, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8743

Re: Disappointing News Wells Fargo

Well, supposedly the mass firings was their version of stamping out the fraud. I can't think of a more direct way to stop it than to literally fire people that committed the fraud. What they obviously didn't do was change the underlying incentives and culture that led to this behavior. Yes, additio...
by barnaclebob
Wed Sep 21, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8743

Re: Disappointing News Wells Fargo

I would be surprised if this problem and situation is specific to Wells Fargo or more widespread across the banking profession. Its a problem for nearly all sales and performance metrics. Did you know that if given a chance to rate service from 1 to 5 if you give anything but a 5 the employee might...
by barnaclebob
Wed Sep 21, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 51
Views: 3751

Re: Edward Jones exodus from American Funds?

Either way you are being hosed at 1.3% AUM.
by barnaclebob
Wed Sep 21, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Spare Tire Replacement
Replies: 17
Views: 1058

Re: Spare Tire Replacement

Practices vary. One way to do it is to rotate the spare into the tire rotation when you do that. In that case, you have five tires with approximately the same wear, and you replace them all at the same time and go through the same exercise again. You'll extend the time between tire purchases by abo...
by barnaclebob
Tue Sep 20, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8743

Re: Disappointing News Wells Fargo

There was a very interesting thread on reddit where former retail employees described how retail sales incentives or performance goals are bad in nearly every case. They always find a way to fraudulently make their numbers and management is nearly always complicit in it because they are also judged ...
by barnaclebob
Mon Sep 19, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: American Funds claims to beat Index funds
Replies: 42
Views: 3196

Re: American Funds claims to beat Index funds

Judge the performance for yourself: http://quotes.morningstar.com/chart/fund/chart.action?t=AGTHX&region=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A9%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3A%22name%22%2C%22mainSettingId%22%3A%22main%22%2C%22navSet...
by barnaclebob
Sat Sep 17, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Sawzall and Batt Operated tools questions?
Replies: 25
Views: 1059

Re: Sawzall and Batt Opertated tools questions?

I recommend the longest blade you can find. I broke down a 35' blue spruce tree with a sawsall and a long blade. A small chain saw would probably work better though. Higher voltage is more power in general. The only battery powered tool I have is an 18v dewalt and im happy with it. The 20v is what t...
by barnaclebob
Thu Sep 15, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: Fun Vacations v. Time with Family
Replies: 38
Views: 3502

Re: Fun Vacations v. Time with Family

That a lot of time for one family member. Can you take two days off and visit them for 4 day weekends? That leaves 6 days for you to do whatever you want with.

Travel while you are young.
by barnaclebob
Thu Sep 15, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 3184

Re: Tenant wants to leave on short notice. Can they?

Looks like they can leave to me. I don't think I'd ever argue with a tenant wanting to leave early as long as the place was left in good shape. If they were actually breaking the lease then you could just keep the deposit.
by barnaclebob
Wed Sep 14, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 1764

Re: Any Car expert out there : Check Engine Light on

This could be a very easy DIY job if your sensor is easy to get too. Pop the hood and look at the exhaust to see if you can reach it yourself. You might be able to fix it for $80 and 20 min of effort.
by barnaclebob
Wed Sep 14, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Home Computer-Kids vs Data
Replies: 21
Views: 1214

Re: Home Computer-Kids vs Data

If I had kids the last thing I'd be worried about them viewing on an internet-connected laptop would be "financial data." This. I'm wondering how I'll prevent my kids from looking at naughty pictures :? Its not pictures or videos you should be worried about but contact with unsavory indiv...
by barnaclebob
Tue Sep 13, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: Does buying a new vehicle make sense when...
Replies: 26
Views: 2432

Re: Does buying a new vehicle make sense when...

I came to the conclusion that buying a recent model used 4runner would not make sense. The value the lose in the first few years is pretty linear to the amount of miles on it so there is really no discount for a used 4runner and its probably the same story for a Tacoma.
by barnaclebob
Mon Sep 12, 2016 4:40 pm
Forum: Personal Consumer Issues
Topic: 2006 mazda miata for daughter, 42k miles, $10k?
Replies: 62
Views: 3823

Re: 2006 mazda miata for daughter, 42k miles, $10k?

I'd get her the miata. Life is short and She'll probably have good memories with it. My dad got my brother a brand new 2002 V8 Formula Firebird for his 16th birthday and we didn't do anything too stupid with it that you couldn't do in just about any car. Sure we floored it many times getting on the ...
by barnaclebob
Mon Sep 12, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 3647

Re: Presidential Election Insurance, Use T-Bills?

I'd think the election would make the market fluctuate no more than down 5%. There will be no "crisis" until the eventual winner does something crazy like default on our debt or something. However if I were to want to "insure" against something happening It would be with physical...
by barnaclebob
Mon Sep 12, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Christmas gift expectations
Replies: 61
Views: 4093

Re: Christmas gift expectations

Its actually good that they suggested a secret santa, especially where everyone has to buy the exact item specified. Just say you are opting out because you had to spend most of your Christmas present budget on airline tickets and $250pp is more than what you had budgeted. You don't buy a gift, no o...
by barnaclebob
Fri Sep 09, 2016 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Mega++ backdoor question
Replies: 5
Views: 765

Re: Mega++ backdoor question

Does the pro-rata rule apply to transfers into a 401k?

Can you roll the entire tIRA into the 401k assuming its a good 401k.
by barnaclebob
Thu Sep 08, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Stay or Can I Go [Retire]
Replies: 14
Views: 2820

Re: Should I Stay or Can I Go

I wouldn't lose sleep if I retired in your shoes. Your numbers are great its just the mental block of going from accumulating to drawing that sounds like its difficult for you.
by barnaclebob
Wed Sep 07, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Venture Capital Fund - when to walk away
Replies: 6
Views: 519

Re: Venture Capital Fund - when to walk away

Sounds too complicated and I wouldn't want my hands tied in any investment that makes you keep investing or you have to fear loosing it completely. Let it ride and don't put any more in.
by barnaclebob
Tue Sep 06, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: pro's and con's of closing/reopening amazon.com account?
Replies: 19
Views: 1060

Re: pro's and con's of closing/reopening amazon.com account?

If you are really concerned about it check the prices of some items you are thinking about buying on another computer in incognito mode or something so they don't know how to target you and adjust prices. I just wish I figured out how to make the sports bra suggestions go away when my wife accidenta...
by barnaclebob
Tue Sep 06, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting lake property with 2 other siblings
Replies: 60
Views: 4685

Re: Inheriting lake property with 2 other siblings

First, let's re-arrange some sentences: I'm looking for advice on a situation that might happen in the next 5-10 years.... I don't want to inherit this and then be forced to buy out one or both parties at current market rate.... Don't worry. You won't inherit any of this. And even if you did, you a...
by barnaclebob
Thu Aug 25, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Play account at Robinhood.....less than $100
Replies: 22
Views: 1391

Re: Play account at Robinhood.....less than $100

Well hopefully the whole $100 is not gone but I will certainly keep everything you said in mind. I just have $14 tied up in the one that is inaccessible at the moment. The only reason I invested in lower cost stocks was because I did not want to risk losing a large amount of money at the same time ...
by barnaclebob
Thu Aug 25, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Play account at Robinhood.....less than $100
Replies: 22
Views: 1391

Re: Play account at Robinhood.....less than $100

Sounds like you are buying penny stocks. Your $100 is likely gone. Reverse splits are usually bad and done so the stock price can be driven lower by dilution. There is usually a halt in trading while this happens. So while your price went up by 400% you now have 1/4 the shares and the price will be ...
by barnaclebob
Fri Aug 19, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7698

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: 4230

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: 1290

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: 2856

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: 3131

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: 882

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: 1342

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: 5410

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: 2637

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: 5410

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: 2219

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: 3809

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: 2219

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: 4900

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: 4900

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: 8125

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: 50
Views: 4063

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: 10455

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: 6836

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: 10455

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: 6597

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: 1067

Re: Yet another pension question...

The amount you recieve may be based on when you start collecting and not necessarily when you retire too.

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