Search found 1860 matches

by barnaclebob
Fri Jun 23, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 22
Views: 1336

Re: Got rear-ended: any reason not to go through my ins?

Be sure to look into a diminished value claim as well.
by barnaclebob
Thu Jun 22, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 21
Views: 1824

Re: VTSAX dividend error?

Mine shows the $60.77 for 6/20/2017.
by barnaclebob
Wed Jun 21, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1259

Re: LG washer and dryer "NFC tag on" feature

How many different setting do you need to use on a regular basis that aren't in the normal menu settings? How much extra did this feature cost?

The only way this would be useful is if you could scan the bar code on a certain item you weren't sure about and it would set the cycle based on that.
by barnaclebob
Wed Jun 21, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Closet Index fund?
Replies: 31
Views: 1569

Re: Closet Index fund?

Yep, pretty safe to say that this is a closet index fund where the managers so far have been paid for nothing:

http://www.morningstar.com/funds/xnas/retsx/quote.html
by barnaclebob
Wed Jun 21, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Closet Index fund?
Replies: 31
Views: 1569

Re: Closet Index fund?

BogleAlltheWay wrote:Does that mean it is essentially tracking the index?


Yes except for the fact that the managers are taking .95% of the NAV to do what vanguard can do for ~.05%

What fund are you talking about though?
by barnaclebob
Wed Jun 21, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Closet Index fund?
Replies: 31
Views: 1569

Re: Closet Index fund?

I think the more important metric would be a comparison r squared and the total returns. Theoretically the active fund could have exactly double the movement of the S&P 500 and have a r squared of 1. At least I think that might be true.
by barnaclebob
Tue Jun 20, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: New Patio Efflorescence-ugh!
Replies: 2
Views: 476

Re: New Patio Efflorescence-ugh!

Try the wire brush in an inconspicuous area to see if it wears the brick away or not. Try a less stiff brass brush if that one wears the brick away.
by barnaclebob
Tue Jun 20, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4880

Re: Alternatives to Amazon

SrGrumpy wrote:As we now know, via @mudpuppy, the drivers undergo a background check. Mail theft is a felony. That Katy Perry CD better be worth the prison time.


I don't think its mail theft unless the USPS is part of the shipping process.
by barnaclebob
Tue Jun 20, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Stamp Value
Replies: 6
Views: 647

Re: Stamp Value

I wonder if it gets depressing for these stamp collectors to constantly tell folks like the OP that their stamps are only worth the postage printed on them. But i guess the thrill of occasionally finding a rare stamp makes up for that.
by barnaclebob
Mon Jun 19, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 18
Views: 1277

Re: Olympic NP and Mt Rainier NP

Honestly, there is not even 2 days worth of activities at Rainier for the casual outdoor person with kids this time of the year unless you are a backcountry skier, climber, or like hiking on the snow. Paradise currently has 6.5ft of snow still on the ground and I suspect hurricane ridge has plenty o...
by barnaclebob
Fri Jun 16, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Amazon [stock]
Replies: 25
Views: 2297

Re: Amazon

Anybody that knows for sure definitely wouldn't tell you and anyone who tells you doesn't know for sure.
by barnaclebob
Tue Jun 13, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Good Digital Tire Gauge
Replies: 21
Views: 1341

Re: Good Digital Tire Gauge

Get a dial gauge, not digital and you may never have to buy a new one again.
by barnaclebob
Tue Jun 13, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7345

Re: What Do You Pay for an Oil Change?

Changed the oil in my Pilot last weekend. $38.01 at O'Reillys -- 1 gallon Pennzoil 5w-20 and a Wix filter. Took me 10 minutes, maybe a new record. Be sure to look for the mail in rebate coupons from Oreilly's. They really do honor them and it costs a stamp and 3 min to fill out the form, I've gotte...
by barnaclebob
Mon Jun 12, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Stuff [Renting out a boat dock]
Replies: 7
Views: 662

Re: Renting Stuff

Sounds like this person is not a very good friend. You tried to do him a favor and he wants more. The simple thing to do is welcome him to find a better option.
by barnaclebob
Mon Jun 12, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Attorneys: Can family be held liable if moving elder into independent living apartment?
Replies: 17
Views: 1875

Re: Attorneys: Can family be held liable if moving elder into independent living apartment?

It is possible but who would sue you? the person with dementia who wandered away? Sounds far fetched. Their health insurance provider might come after whoever is liable. If I were OP I would make sure my umbrella coverage is sufficient, move the family member to the better living situation, and con...
by barnaclebob
Mon Jun 12, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 91
Views: 5391

Re: Have you canceled cable?

Hulu, Amazon, and HD antenna for us. We miss some things, especially live auto racing but its not worth the price of cable (or even sling) to get them. Just started watching Le Mans on Amazon so that is satisfying the car racing fix for now.
by barnaclebob
Fri Jun 09, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 1681

Re: Installing Fencing to keep predators away from chickens?

for the hawks I suggest planting a few trees in your run. That will provide cover as well as shade for the chickens, and if the run is small enough the trees will impede the hawks' ability to glide in and snatch. If you plant fruit trees you'll have the added bonus of fruit, and the chickens will p...
by barnaclebob
Fri Jun 09, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 75
Views: 4926

Re: AAA Cost

criticalmass wrote:Changing your own tires is not permitted on many roads.


I have never heard of this. Source?
by barnaclebob
Thu Jun 08, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: New Roof - Questions
Replies: 16
Views: 1667

Re: New Roof - Questions

Never do business with a company that engages you for business. You should always initiate contact.
by barnaclebob
Wed Jun 07, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6864

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

parvo19 wrote:Get her a gym or yoga studio membership. She'll lose the baby weight faster.



Lol. OP would be asking about how to deal with finances in a divorce after that gift.
by barnaclebob
Wed Jun 07, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 1681

Re: Installing Fencing to keep predators away from chickens?

I've got backyard chickens but no ground based predator problems so far, we've lost two to hawks though. Electric fences might be your best option for foxes. Bird netting for the hawks.
by barnaclebob
Wed Jun 07, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Tired of dealing with incompetent repairmen
Replies: 6
Views: 1076

Re: Tired of dealing with incompetent repairmen

What kind of jobs are you bidding out?
by barnaclebob
Wed Jun 07, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6864

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

The jewelry industry is clever at making people think there are "mandatory" gift giving occasions isn't it. I remember having a confused look on my face after buying an engagement ring when the saleslady mentioned something about coming back for the wedding gift in a tone that this type of...
by barnaclebob
Tue Jun 06, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 2754

Re: Home siding thoughts

My house had hardiplank of unknown age (possibly original to the house built in 1994?) when I bought it in 2009. Haven't done a thing to it and it looks the same (brand new) 8 years later.
by barnaclebob
Tue Jun 06, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: New vehicle, country-of-origin info (Table)
Replies: 7
Views: 499

Re: New vehicle, country-of-origin info (Table)

I wish there could be a score that included the impact of where a product is engineered into the total economic impact.
by barnaclebob
Tue Jun 06, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Tupperware Set / Systems
Replies: 13
Views: 805

Re: Tupperware Set / Systems

Make a firm commitment to one brand of "disposable" containers like Glad and stick to 2 or 3 sizes looking for lid commonality. Their lids aren't super liquid tight so that might not be for everyone but it works well for us. Recycle any off pieces that you acquire from leftovers from someo...
by barnaclebob
Mon Jun 05, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5779

Re: Pimp my DW's ride.

If you do go for a matte paint job instead of a wrap be sure you are paying a lot for it and to a really nice shop. Matte shows defects worse than just about any other kind of paint. I can't tell you how many crappy matte paint jobs i've seen rolling around. Additionally there are different cleaning...
by barnaclebob
Thu Jun 01, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2287

Re: Changing Car Cabin Air Filter - after how much time

Why even change the cabin air filter? No, really. I've never had any changed in any car I've ever owned. If enough air comes through, then who cares. It's not all that long ago that these things didn't exist. If I were to go through the trouble of pulling one out, I'd gut it and put it right back i...
by barnaclebob
Thu Jun 01, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2287

Re: Changing Car Cabin Air Filter - after how much time

Why even change the cabin air filter? No, really. I've never had any changed in any car I've ever owned. If enough air comes through, then who cares. It's not all that long ago that these things didn't exist. If I were to go through the trouble of pulling one out, I'd gut it and put it right back i...
by barnaclebob
Thu Jun 01, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7345

Re: What Do You Pay for an Oil Change?

I live in Massachusetts, and I've had our cars serviced by a local gas station/repair shop. But, the cost of a recent oil change took me by surprise. The total was $96, as follows (numbers rounded): Filter - $10 Oil - 60 Coolant - 5 labor - 21 Tax - 4 (Discount) - 5 Is this a reasonable cost, or sh...
by barnaclebob
Wed May 31, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Lojack?
Replies: 13
Views: 840

Re: Lojack?

No service that I know of will prevent a carjacking, only help recover a car afterwards. Don't buy products that make you fearful if you don't buy them, prudent insurance products excepted.
by barnaclebob
Sun May 28, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: best watch for climbing/mountaineering?
Replies: 9
Views: 811

Re: best watch for climbing/mountaineering?

Get a G shock and then strap it somewhere to your pack. I hate having stuff on my wrist while climbing or doing any activity that requires frequent layer changes. Most GPS watches are very bulky and they get caught on sleeves or gloves.
by barnaclebob
Fri May 26, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Plumbing issue
Replies: 6
Views: 1043

Re: Plumbing issue

Clicking can also come from thermal expansion/contraction of pipes. Every time my wife takes a shower I get about 2-3 minutes of clicking behind the downstairs TV from the ABS plastic drain line expanding.
by barnaclebob
Fri May 26, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5017

Re: Insulating Walls - Worth it?

Regarding moisture, our cellulose was fireproofed with ammonium sulfate and boric acid. Later on, we had a leak in a shower which was putting water into the walls. The cellulose absorbed lots of water and it seemed to "liberate" the ammonia and made the walls stink in a hard to locate way...
by barnaclebob
Wed May 24, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 65
Views: 6689

Re: Should I drink or sell my Pappy 12 year?

Keep it to offer guests you want to make an impression on or give a special treat. Even the most casual bourbon drinker knows of Pappy.
by barnaclebob
Wed May 24, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Saving Baby bunnies
Replies: 9
Views: 982

Re: Saving Baby bunnies

Things happen in nature and animals die. Put them under a nearby bush or something and hope for the best. Try not to feel bad if they don't make it, at the end of the day its just some wild rabbits.

Maybe try to dig a new nest in the same place if you want?
by barnaclebob
Mon May 22, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4227

Re: Mexican Pacific Beaches

I dipped my chips into every different bowl of salsa on the table; yum yum yum! Food was good and the fish couldn't have been fresher. Get up to leave, pay our bill, other customers are coming in to sit down. As we're leaving, we see the waitress clean up our plates, tuck in our chairs, etc. And th...
by barnaclebob
Mon May 22, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3344

Re: Rice Cooker

I didn't realize there were people who didn't wash the rice prior to cooking. Yep - you need someone on the inside to tell you :) I thought it was like pasta - measure and throw in. Where did all this goop come from?? We don't rinse our rice and don't have goop issues with an aroma housewares 8 cup...
by barnaclebob
Mon May 22, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4227

Re: Mexican Pacific Beaches

I don't understand the hype with mexico and Caribbean islands There are sharks everywhere, how can you swim in ocean knowing that there can be shark attack any time Not sure if you are serious but, shark attacks are a very low probability and your fear is irrational when compared with the rest of y...
by barnaclebob
Fri May 12, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3246

Re: Price for brakes and rotors?

jesscj wrote:Such as vehicles with electric actuator over caliper park brakes, the caliper piston must be retract using a diagnostic scan tool,then the park brake has to be calibrated when job is finished with the same tool.


What vehicles are these so i know what to avoid.
by barnaclebob
Fri May 12, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3246

Re: Price for brakes and rotors?

Unless it includes (and you need) new calipers, its outrageous. You probably don't even need anything done to your rotors if the pedal doesn't pulse and the brakes function normally. I'd be willing to bet your pads have at least 5000 miles left on them too. The rear price may not actually be that mu...
by barnaclebob
Thu May 11, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 8082

Re: Tesla Solar Roof

I looked for data sheets or ANY Tesla technical literature like data sheets to answer questions like how are they wired, what do the connections look like, what is the physical size, etc and didn't find anything. That's a huge red flag. If anyone has a link for that, please post. Pay no attention t...
by barnaclebob
Thu May 11, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Arbitrage
Replies: 8
Views: 636

Re: Arbitrage

I hear that thrift store to ebay arbitrage can be relatively profitable as a hobby.
by barnaclebob
Thu May 11, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: My plan to use policy loans to fund first five years of retirement
Replies: 61
Views: 3660

Re: My plan to use policy loans to fund first five years of retirement

so you would take out the loans and then just use the remaining cash value to pay off the loans instead of taking disbursements? That's the same as just selling an asset.
by barnaclebob
Thu May 11, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: LVP flooring installation DIY - your experience?
Replies: 10
Views: 802

Re: LVP flooring installation DIY - your experience?

trust Lumber Liquidators...lol
by barnaclebob
Thu May 11, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Afraid I may have been hacked
Replies: 18
Views: 2768

Re: Afraid I may have been hacked

What does "hacked" mean to you?

Unless you opened a link and downloaded something or entered a username/password you are probably fine.
by barnaclebob
Wed May 10, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Elderly Investor
Replies: 6
Views: 585

Re: Help With Elderly Investor

What is her overall financial picture? She is able to meet her current living expenses with SS and her pension with not much left over. No assets to speak of. Well if there truly are no surrender fees and she could have a check cut for the full value then its just a matter of determining if she can...
by barnaclebob
Wed May 10, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4648

Re: Can you suggest a mortgage lender who does not resell

Even if they did say they would keep it, I doubt they are contractually obligated to. I've dealt with 3 or for different mortgage servicers in 7 years. They have all been fine but some have better online tools than others for estimating the effect of extra payments and what not. One even let me see ...
by barnaclebob
Wed May 10, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Elderly Investor
Replies: 6
Views: 585

Re: Help With Elderly Investor

What is her overall financial picture?
by barnaclebob
Wed May 10, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What home improvements are worth it
Replies: 37
Views: 5505

Re: What home improvements are worth it

My rank is: Kitchen lights: crappy lighting in the kitchen sucks to live with Yard: it will feel much nicer pulling up to a good looking yard every day and will increase curb appeal. A good yard can make a house feel more maintained to future buyers New faucet on old countertops: A good faucet makes...

Go to advanced search