Search found 1965 matches

by barnaclebob
Mon Aug 21, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 31
Views: 1370

Re: ABS light, and OBD II scanners.....

Please stop giving this terrible advice. ABS will stop you sooner on dry clean pavement and most other conditions unless you have the skills of a F1 driver. Most people mash the brakes which will cause skidding. ABS reduces skidding and stops you sooner because tires have more friction when they ar...
by barnaclebob
Mon Aug 21, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 206
Views: 9849

Re: How far would you travel to see The Eclipse?

I was lucky enough to view it from 8500ft in my friends bottom wing airplane. 2.5 hours round trip from just south of Seattle along with another 45 minutes of driving to his hanger on each end of that. Burned less gas than our backup driving plan. It was really cool seeing it start to look like dusk...
by barnaclebob
Sun Aug 20, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 47
Views: 2896

Re: Kitchen knife set. Good quality - Recommendations

Love my wustof classic 7 piece set, they hold an edge better than the caphalon katana's which is what we also have. All knives will be junk in 2 or 3 months if you don't use the steel and by then it will be too late for the steel to do any good. I know its scary to take the steel to your brand new k...
by barnaclebob
Sun Aug 20, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 29
Views: 2778

Re: Frozen steaks ordered through the mail

Lol at the review for the wagyu steaks being too fatty. Ill put in another vote for costco usda prime. The best value is to buy the full roast and cut it into your own steaks. You need a vacuum bagger to store them long term in the freezer though.
by barnaclebob
Fri Aug 18, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Elder Abuse
Replies: 6
Views: 968

Re: Elder Abuse

You have POA right? Shut down the cards and take away all other access of money from the blood suckers because that is in your father's best interest. Make plans to move him closer to you. Once they know the gravy train has run dry the leaches quickly move on.
by barnaclebob
Fri Aug 18, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 129
Views: 9926

Re: Jobs that pay over $100,000

Mech/Civil/Aero/Electrical engineering can be paying 100k, 5-7 years out of college with a starting salary of maybe 50-65k now a days. If he isn't already interested in engineering with a talent in math and science then it is not the major to go into. The programs can be rigorous and require just gr...
by barnaclebob
Fri Aug 18, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6648

Re: DUI lawyer - need advice

I have a family member in law enforcement. He says he sees an expensive literal stereotype super sleazy DWI lawyer who drives expensive Italian sports cars at the courthouse frequently and that if he ever needed had to have a lawyer for it, thats who he would probably call. Take that FWIW. Lawyers l...
by barnaclebob
Fri Aug 18, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 31
Views: 1370

Re: ABS light, and OBD II scanners.....

Some of that may depend on the programming of the ABS system. They have likely gotten better over the years. There are racing ABS systems that behave more aggressively than those used in street cars. The fastest way to stop is threshold braking- where you brake at just below the ABS activation thre...
by barnaclebob
Fri Aug 18, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 31
Views: 1370

Re: ABS light, and OBD II scanners.....

Please stop giving this terrible advice. ABS will stop you sooner on dry clean pavement and most other conditions unless you have the skills of a F1 driver. Most people mash the brakes which will cause skidding. ABS reduces skidding and stops you sooner because tires have more friction when they ar...
by barnaclebob
Thu Aug 17, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 31
Views: 1370

Re: ABS light, and OBD II scanners.....

Do you need ABS? I lived in Phoenix at one point and had the ABS system fail on me. I didn't have a lot of money at the time, and quickly realized that one does not need ABS in a desert climate. Eventually the red ABS light burned out, and the problem went away. Yeah, I need it! Disabling (or not f...
by barnaclebob
Thu Aug 17, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2555

Re: popcorn ceiling, removal or drywall over it?

Inlaws got rid of popcorn ceilings. Their contractor did the spray and scrape method and it worked very well. Just cover up anything that you want to keep clean.
by barnaclebob
Thu Aug 17, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: WSJ - ... Stop Index Trackers [from] Eating the Economy
Replies: 23
Views: 2914

Re: WSJ - ... Stop Index Trackers [from] Eating the Economy

If everyone went away from passive investing to stock picking they would blame all of the "dumb" investors not valuing stocks properly. If we all went from passive to active mutual funds they would say that the competition is so great that the good deals are harder to find and each individual deal i...
by barnaclebob
Thu Aug 17, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 31
Views: 1370

Re: ABS light, and OBD II scanners.....

I'm sure you read that the most likely culprit for the ABS light coming on is a low brake fluid level. Did your check that and top it off if needed before going to the shop? Its normal for brake fluid level to drop as pads wear and the pistons are more full of fluid so its not necessarily due to a l...
by barnaclebob
Thu Aug 17, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4182

Re: Anyone have a personal chef?

Have you tried amazon fresh? Do you have CSA's in your area that will deliver local produce? Are you experienced cooks or are you relatively new? I'm guessing you are new based on your surprise at an "empty fridge" to cleaned up meal taking two hours. What was your time without the trip to the store...
by barnaclebob
Wed Aug 16, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 1461

Re: If you received robocalls from cruise lines

Random Poster wrote:
Wed Aug 16, 2017 2:34 pm
My number wasn't listed in the settlement when I inserted it in XXX-XXX-XXXX format, but it was when I removed the dashes.
Yep don't use any dashes, my dads number worked without the dashes but not with them, thanks.
by barnaclebob
Wed Aug 16, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 22
Views: 2503

Re: bitcoin makes you rich

I feel like we need to start merging the low quality bitcoin questions. If its a specific technical question leave it be but all of the "who's a bitcoin and where is he going to be worth" questions need to be merged.
by barnaclebob
Wed Aug 16, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: HGTV beach front bargain hunter
Replies: 14
Views: 1525

Re: HGTV beach front bargain hunter

I wonder what happened to all of the houses on the one show where they would give a room an extreme themed makeover. Think like turning a perfectly functioning living room into a junky looking tiki bar complete with a giant tiki sculpture taking over half of the space. I think I saw one where they h...
by barnaclebob
Wed Aug 16, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio
Replies: 45
Views: 9111

Re: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio

Sorry to hear about your terrible news. Your 50/50 asset allocation plan sounds good to me. You need around 2.5% in dividends to generate around 90k in income from your taxable money before taxes, total bond funds and total stock market funds are at around 1.75% right now. Vanguard life strategy inc...
by barnaclebob
Tue Aug 15, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 33
Views: 3173

Re: Kitchen Remodel Price/Contractor Dispute

I guess I'm leaning towards paying this nonsense and posting a picture of their initial baseboard install job on Yelp. After your further explanation you should be even more against it. No miters on baseboards???? That is laughable (unless he had tried to cope them which I highly doubt). I'd be tel...
by barnaclebob
Tue Aug 15, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6513

Re: Is $9000 too much for a sectional sofa ?

Watch this SNL skit and then ask if you even want a sectional:

https://www.youtube.com/watch?v=4-Sjy5DF28s

As for your question, $9k wouldn't surprise me for a large custom high quality piece of furniture.
by barnaclebob
Tue Aug 15, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 33
Views: 3173

Re: Kitchen Remodel Price/Contractor Dispute

The amount of people that roll over so easily over $500 is astounding. OP doesn't have to go fight to get the money back, they still have it. The fight is for the contractor. Now if the contractor files a lien and it would take a bunch of time to fight that then the answer might be to just pay it bu...
by barnaclebob
Tue Aug 15, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 33
Views: 3173

Re: Kitchen Remodel Price/Contractor Dispute

Sounds like they have acknowledged that their policy is to apply the $500 to the final cost of the job. If they can't show you where you agreed to waive that policy in lieu of the 10% discount then tell them too bad. I'd research what is involved for a contractor to file a lien and what kind of docu...
by barnaclebob
Tue Aug 15, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Big family, small house dilemma -- kid bedrooms in basement?
Replies: 23
Views: 2490

Re: Big family, small house dilemma -- kid bedrooms in basement?

The wife is not convinced. The basement windows are low to the ground and lack privacy, which is also a safety issue in her mind. She doesn't like the idea that the kids could sneak in and out when they get older. This level is also our day-to-day entry area (we don't use our front door often) so w...
by barnaclebob
Tue Aug 15, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5256

Re: Plan for making child pay for part of college

I like the OP's plan. I would probably implement something similar myself but then gift any remaining loan balance after a year of my child making payments assuming I could afford to pay it off.
by barnaclebob
Tue Aug 15, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2021

Re: Backup of Sensitive Information

I just keep a hard drive at work that I take home to backup my backup after I file taxes. If all is lost in a fire at home I would only lose pictures that weren't important enough to share on facebook from the last year at worst. What kind of irreplaceable financial records do you guys keep on your ...
by barnaclebob
Mon Aug 14, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 67
Views: 4892

Re: How useful is a home security system?

Don't you find it curious that they happened to be carrying tools to get into a safe? I sure do. They planned this. Also, they broke in it pretty fast. That says low cost safe all over it. If it weighs, say 300 pounds, it is probably broken into easily. That being said, I am sorry you were robbed. ...
by barnaclebob
Mon Aug 14, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 67
Views: 4892

Re: How useful is a home security system?

One lesson is that a cheap safe is probably worse than no safe at all and a good hiding spot.
by barnaclebob
Mon Aug 14, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 206
Views: 9849

Re: How far would you travel to see The Eclipse?

wrongfunds wrote:
Mon Aug 14, 2017 12:26 pm
Surely this must be sarcasm.
Well, it was a joke.
You never know with some people on here saying that 95% is good enough for them when it wont really look any different than a normal day. Tone doesn't translate well over internet posts.
by barnaclebob
Mon Aug 14, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2744

Re: Bough gift cards from cash card.com and somebody else used them all

Its never a good idea to buy gift cards online that you don't plan on using immediately. Way to easy for scams or fraud. I have successfully used a $500 lowes card bought off of a site listed on giftcardgranny for around $450 but I was less than 4 hours between purchase and redemption. I figured I w...
by barnaclebob
Mon Aug 14, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2676

Re: PSA - Mute button for Gas Station TV!

Thanks for the tip. They don't bother me - stations are noisy anyway. I usually just get back in my car while the gas is pumping - especially in winter. Just be sure to touch some exposed metal on the frame of the car or the pump before you touch the pump handle. Static discharge + gas vapor is not...
by barnaclebob
Mon Aug 14, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 206
Views: 9849

Re: How far would you travel to see The Eclipse?

Put appropriate sized black disk in your direct view so that it will block the sun and you can have your own artificial eclipse any time you want! Actually, this idea was first presented in 1940 by Donald Menzel of Harvard College (It was a college at that time! It had NOT become a university yet),...
by barnaclebob
Fri Aug 11, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4035

Re: Where To Put My Emergency Fund?

What if the AC man came to your house in the summer and told you a new ac is needed. $5000 installed. If you put this on the credit card could you cover it next month. What if the same month you car transmission went out. Another $3000 yes bad month. Is hard cash considered sittting in bank account...
by barnaclebob
Fri Aug 11, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7451

Re: Aug. 2017 US total eclipse hotel reservations.

If the weather is good it looks like my plans have changed. One of my friends has two extra seats in his bottom wing airplane to watch it from the sky and I can bypass all of the traffic. Just need to hope for VFR conditions.
by barnaclebob
Thu Aug 10, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Home security system
Replies: 12
Views: 1207

Re: Home security system

Put the glass break sensor near your front door if it has a window next to it where an intruder can break the window, reach in, and unlock the door.
by barnaclebob
Thu Aug 10, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1811

Re: Toyota Radio and Backup Camera No Longer Work

If the car was looked at by the Toyota techs they should have tested all appropriate fuses before saying the entire audio unit needed to be replaced. Should is the keyword. OP's wife took the car in and places that do anything to cars notoriously don't give women straight answers. A tire place told...
by barnaclebob
Thu Aug 10, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2508

Re: Trip Cancellation Insurance.

What are you insuring against that would prevent you from going on a majority of this trip? Bad weather? That will only cost you a day or two, no big deal. Death in the non immediate family? Maybe a couple days too? Parent on their deathbed? Maybe that deserves some insurance... New serious illness ...
by barnaclebob
Thu Aug 10, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1811

Re: Toyota Radio and Backup Camera No Longer Work

You still haven't confirmed if the fuse is blown. This is your first step even before some reset procedure that may or may not even apply to your vehicle.
by barnaclebob
Wed Aug 09, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1772

Re: Best at Home Safe

Your best bet is something encased in concrete and hidden in your basement or garage floor. Otherwise are you looking primarily for fire or theft protection? Fire protection is cheaper, theft not so much. I've settled on finding good hiding spaces for the cheapo boxes after researching the cost of a...
by barnaclebob
Wed Aug 09, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 3967

Re: Toyota Camry Repair Priorities

If you don't do DIY maintenance then its time to put this car out to someone else's pasture. This list will cost several grand to fix. You can probably still get some ok money for it. When the transmission blows or the rust make it unsafe? Not so much.
by barnaclebob
Fri Jul 28, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: Treasury ends myRA program
Replies: 31
Views: 3221

Re: MyRA bites the dust

Alan S. wrote:People have plenty of savings options, they simply would rather spend.


Also a large portion of the country isn't paid enough to live at a reasonable comfort level and save for retirement. And any of us lucky enough to be able to save money have better options like a normal Roth.
by barnaclebob
Fri Jul 28, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Retirement plan for newborns
Replies: 15
Views: 1226

Re: Retirement plan for newborns

There are way too many variables to have an accurate guess as to what an initial $7000 investment will be able to buy in 70 years. In any case I doubt it will fund a retirement but it could be a nice little chunk of change.
by barnaclebob
Fri Jul 28, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 4382

Re: Any pilots here? [as a career]

Keep in mind that single pilot operations for commercial flights will likely be seen within our lifetimes. Maybe even in the next 15 to 20 years.
by barnaclebob
Thu Jul 27, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Elevator Operators & cybercurrencies
Replies: 3
Views: 603

Re: Elevator Operators & cybercurrencies

CaliJim wrote:IMHO: Buying bitcoins adds legitimate currency liquidity to the black markets, markets that are greatly enabled by hard to trace cybercurrencies. It is not something an ethical person gets involved in.


I'm sure the suitcases full of $100's in El Chapo's mansion were obtained in an ethical manner.
by barnaclebob
Thu Jul 27, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why are they beating S/P? What am I missing?
Replies: 72
Views: 4324

Re: Why are they beating S/P? What am I missing?

Your SP500 avg didn't look right when I looked at the percentage gain you listed for each year - when I added each of those years and divided by 19, I got approx. 9.3% avg return for the SP500 over those 19 years. That is not the correct way to verify the average annualized returns since the prior ...
by barnaclebob
Thu Jul 27, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Why are they beating S/P? What am I missing?
Replies: 72
Views: 4324

Re: Why are they beating S/P? What am I missing?

Morningtstar shows a trailing 15 year return of 9.57% for the SP500, your chart shows 8.34%. Does this include dividends or just price? There is a big difference. Looking at 19 years of time line, this is what I get http://i.imgur.com/shUjsw1.jpg Hmmm, I was looking at the trailing daily total retu...
by barnaclebob
Thu Jul 27, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Why are they beating S/P? What am I missing?
Replies: 72
Views: 4324

Re: Why are they beating S/P? What am I missing?

Morningtstar shows a trailing 15 year return of 9.57% for the SP500, your chart shows 8.34%. Does this include dividends or just price? There is a big difference.
by barnaclebob
Wed Jul 26, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8064

Re: Should you wait until the due date to pay credit card balance?

I pay ours off on the day we get the statement, I don't like seeing a higher balance than necessary and don't want to risk something getting bungled up for a last minute payment.
by barnaclebob
Wed Jul 26, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 2865

Re: Is a kamado grill/smoker worth it?

Depends on how big they are. I can easily fit a pair of 22-23lb shoulders on the main rack of my Big Joe, with lots of room to spare. If you're doing smaller ones like 8lbers, I suspect I could get at least 8 on the main rack, and 4 more on an accessory rack. Could always put a second smaller rack ...
by barnaclebob
Wed Jul 26, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5291

Re: GF Picking a college major

What's a useless major? I know people with BAs in anthropology, English, history, and sociology who work for McKinsey, investment banks, big world-transforming foundations, and more. I am certain you mean well but I read this as someone who is trying to put his girlfriend into a well-defined box ra...
by barnaclebob
Wed Jul 26, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 2865

Re: Is a kamado grill/smoker worth it?

I can fit 8 pork shoulders on a 22" weber smokey mountain. They lean against each other a little bit when packed that full but they still come out great. How many can a Kamado fit?