Search found 1090 matches

by barnaclebob
Tue Feb 09, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Mailing a US Passport in for Renewal
Replies: 19
Views: 1728

Re: Mailing a US Passport in for Renewal

jb9 wrote:Hello,
Why did I even bother to pay the 7 dollars to send it via this "enhanced" presumably dependable means?

Thanks.


Because you are overly paranoid. Priority mail with a tracking number would have been just fine. Someone isn't going to intercept your mail and steal your passport.
by barnaclebob
Tue Feb 09, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Fender bender on pretty new Civic
Replies: 27
Views: 1740

Re: Fender bender on pretty new Civic

Jack FFR1846 wrote:The insurance company wants a police report because you sign it and it states that untruthful statements are considered perjury.


Lying on police report is not perjury.
by barnaclebob
Tue Feb 09, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 50
Views: 2884

Re: Rental car for weekend trip to save on miles on new car?

Is that $10 per day out the door or are there a bunch of fees on top of it. Sounds like a too good to be true teaser rate of some kind.
by barnaclebob
Mon Feb 08, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: help on allocation
Replies: 5
Views: 222

Re: help on allocation

What will you buy with on large dips? Keeping money out of the market will cost you most of time.
by barnaclebob
Mon Feb 08, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Go Pro camera
Replies: 7
Views: 649

Re: Go Pro camera

It doesn't take too long to learn how to shoot clips that will be useful to splice together in a video editor but editing it into something that's also enjoyable to watch can take some time. Pay attention to frame rates so that you render the final video at the same frame rate your TV displays in. Y...
by barnaclebob
Mon Feb 08, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 3426

Re: Thank goodness for my precious metals

As is typical, the stock market's plunge proves fruitful for the precious metals market. I'm up close to a grand this morning on my modest PM investments. You need to have a small allocation in PM. This isn't taught on this board, but it should be. I've got about 5% of my networth in precious metal...
by barnaclebob
Thu Feb 04, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7136

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Good thing this thread came up today because I had installed some LED fixtures that were way too white and made our kitchen look like an operating room. After following the instructions on the following link and using 1/4 CTO sheets I no longer cringe when the lights get turned on: http://www.diypho...
by barnaclebob
Wed Feb 03, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: ETF regret
Replies: 26
Views: 2322

Re: ETF regret

Just buy mutual funds but look at the ETF % change, they will be very similar...
by barnaclebob
Wed Feb 03, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 322
Views: 84799

Re: The Mega Backdoor Roth IRA

I have been investigating whether my megacorp 401k plans allows for the Mega Backdoor Roth IRA procedures and based on conversations with two separate fido reps, they both agree I can do this. And, I have $20K traditional IRA from a few years back. Please review my plan: Roll tIRA into my 401K. Now...
by barnaclebob
Tue Feb 02, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 55
Views: 5857

Re: Friend is an Edward Jones financial advisor -- should I drop him?

AWH_CPA wrote:I would see if your friend would be willing to work with you only an a fee only basis.


He works for EJ, he is bound by their fee structure...
by barnaclebob
Tue Feb 02, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Silent Investor Owed Lots of Money
Replies: 33
Views: 2372

Re: Silent Investor Owed Lots of Money

Your FIL is likely screwed. The money is gone and he will not be repayed in all likihood. Hopefully he has other retirement savings or he will have to take a reduction in lifestyle. You also need to come to terms with the amount of help you are or aren't willing to give him. The first thing to do wo...
by barnaclebob
Tue Feb 02, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 55
Views: 5857

Re: Friend is an Edward Jones financial advisor -- should I drop him?

Absolutely do not invest with him. When you tell him why say that its not personal and that you don't think the fees are a good value since they do not guarantee over performance. Tell him that if he can get you in a low fee index fund where the total charges are less than .2% per year and there are...
by barnaclebob
Fri Jan 29, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 84
Views: 6293

Re: EJones Advisor wants to talk!

Dont give him a chance to practice his retention sales pitch. If you were important enough he would have called you and not the secretary.
by barnaclebob
Thu Jan 28, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: wife needs phone. Android, iPhone or Windows phone?
Replies: 49
Views: 3054

Re: wife needs phone. Android, iPhone or Windows phone?

My recommendation is gmail and an android. I hate how the widows phone home screen looks and also am not a fan of apple in general. Both of my in-laws got windows phones because a salesman must have had some quotas to make and convinced them. They won't be getting windows phones again...
by barnaclebob
Thu Jan 28, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Home and Invest Proceeds or Stay Put?
Replies: 41
Views: 2994

Re: Sell Home and Invest Proceeds?

If you have a renter covering the mortgage and the HELOC will be paid off this year I think you'd be crazy to play the renting game in the bay area.
by barnaclebob
Thu Jan 28, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: "Mutual-Fund Fees Tumble toward Zero"
Replies: 9
Views: 1541

Re: "Mutual-Fund Fees Tumble toward Zero"

At our institution, the HR rep is not even bashful about saying, "I have to eat and the fees are the way I do it." It's reprehensible that a large academic institution would offer funds with ERs of 1.5% plus administrative fees to anyone--and those fees are less than they were. So while V...
by barnaclebob
Thu Jan 28, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4247

Re: Which news source do you use?

NPR and Reddit.
by barnaclebob
Thu Jan 28, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor IRA?
Replies: 13
Views: 693

Re: Backdoor IRA?

If my Rollover IRA has $2500.00, it looks like (guessing) that I would have to pay about $700 to convert it to a ROTH. This may be an option. Although my IRA comes with some baggage that i'm not too proud of. At one point in my life I had to take a distribution from the Rollover IRA. But what's lef...
by barnaclebob
Wed Jan 27, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 3644

Re: Who came closest to a $0 [taxes due]?

Dulocracy wrote:My goal is never to avoid giving a loan. My goal is always to avoid problems.


A refund doesn't mean less chance of problems unless you are pushing the underpayment penalty limits.
by barnaclebob
Wed Jan 27, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 1645

Re: Best Netflix/YouTube interface for the Big Screen?

So far, no complaints about the Roku 3. Haven't tried anything else though and primarily use it for Hulu and amazon.
by barnaclebob
Wed Jan 27, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 3644

Re: Who came closest to a $0 [taxes due]?

This is the first year I'm dreading doing our taxes, largely in part due to 2015 being the first year we both did backdoor Roths and it looks like TurboTax makes reporting them terribly more difficult than it really should be. I started working on both returns last night and couldn't figure out how...
by barnaclebob
Wed Jan 27, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 3644

Re: Who came closest to a $0 [taxes due]?

The real goal should be who is closest to owing 10% or whatever your personal limit is before paying penalties. That would be the minimum free loan to uncle sam. I had owed ~750 in the past two years even though I thought I had set it to approximately get a refund of 1k. So last year I set my withho...
by barnaclebob
Tue Jan 26, 2016 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Should we do what our FA advises?
Replies: 52
Views: 3470

Re: Should we do what our FA advises?

I'd let the estate lawyer know that you are unhappy with his recommendation on a CFP due to the high fee investments he recommended.
by barnaclebob
Tue Jan 26, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: 3 Years to Obsolescence - SONY Blu-Ray YouTube App
Replies: 22
Views: 2723

Re: 3 Years to Obsolescence - SONY Blu-Ray YouTube App

Isn't the interface on these terrible? I got my Blue ray and TV in 2010 and the apps were pretty much unusable because it took forever to type and search.
by barnaclebob
Mon Jan 25, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Painter's Mask or Something Similar
Replies: 9
Views: 667

Re: Painter's Mask or Something Similar

What chemicals are you using? It would help to know to give suggestions on masks rated for those chemicals. Just because the smell is gone doesn't mean the health problems are gone...
by barnaclebob
Mon Jan 25, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Work 401k Merrill Lynch
Replies: 3
Views: 309

Re: Work 401k Merrill Lynch

That is an awesome matching plan and you should for sure put enough in to get that match. In order to get meaningful advice we would need to see a list of the funds that you can choose from and their ER's. You need to make sure you aren't paying any "personal adviser" fees or something lik...
by barnaclebob
Fri Jan 22, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Two Vehicles vs One, making the case..
Replies: 31
Views: 1525

Re: Two Vehicles vs One, making the case..

How many miles per year do you put on your truck? My wife and I do the SUV/daily driver combo as we can carpool to work.
by barnaclebob
Fri Jan 22, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Wash Sales Due to a Spouse’s Transactions
Replies: 6
Views: 390

Re: Wash Sales Due to a Spouse’s Transactions

Wow, that can create problems when dividends are reinvested in the spouses account too.
by barnaclebob
Fri Jan 22, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Nutritional supplements - beware
Replies: 38
Views: 2575

Re: Nutritional supplements - beware

I'm pissed. We have regularly purchased "Spring Valley" from Walmart. The above testing revealed only 4% of Walmarts "Spring Valley" supplements actually contained the ingredients listed on the label. Has anyone had any luck obtaining refunds for fraudulent supplements? Buyer be...
by barnaclebob
Thu Jan 21, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking growth - In Shares, not Dollars
Replies: 6
Views: 499

Re: Tracking growth - In Shares, not Dollars

Not sure that the shares of a mutual fund really matter since they can be created and destroyed as they are bought and sold. But I'm not sure if one share of a mutual fund is always tied to a certain number of shares to the companies that the fund holds. If the latter then i guess it wouldn't be a t...
by barnaclebob
Thu Jan 21, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Unexpected Costco cash card and letter in the mail
Replies: 8
Views: 1846

Re: Unexpected Costco cash card and letter in the mail

I'm wondering if they got a higher than normal amount of returns or complaints for a batch of blackberries and decided to refund everyone that bought from that batch assuming that many people will be unhappy but not complain or return them. A couple years ago i got a recall notice for peanut butter ...
by barnaclebob
Thu Jan 21, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7290

Re: What was your biggest unexpected home expense?

Not totally unexpected, but came along sooner than I was hoping. Basically the whole outside of my house. :shock: Replaced the old torch down roof in 2014 because it was leaking. My roof is a low pitch or slope roof and the new shingled roof didn't like that... still leaked because water would pool...
by barnaclebob
Wed Jan 20, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as a buying opportunity?
Replies: 31
Views: 2357

Re: Is there such thing as a buying opportunity?

A buying opportunity implies that you have investible cash sitting on the sidelines doing nothing for you or that you are willing to drastically change your asset allocation.
by barnaclebob
Wed Jan 20, 2016 11:21 am
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 7023

Re: Capitulation!

Is the fiscal cliff and sequestration back? Wasn't that a thing that led to a big decline where everyone was freaking out a few years ago right before we went up 30%+?
by barnaclebob
Tue Jan 19, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 7929

Re: Amazon Prime: doing the math...is it worth it?

I love prime because I hate having to go to most brick and mortar stores. Its very useful when I remember something I need for the weekend on a Tuesday or Wednesday. Man in the High Castle was a pretty good show too... we get more use out of the instant videos now that we have cut the chord and have...
by barnaclebob
Mon Jan 18, 2016 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 12
Views: 1674

Re: Edward Jones

The most important thing to know is what your capital gains are for your taxable investments. After that you'll need to learn what kind of fee's EJ will stick you with as a parting gift. Otherwise the transfer should be able to be done completely through vanguard, fidelity, or whatever broker you ch...
by barnaclebob
Wed Jan 13, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6750

Re: Oil Changes turns into a disaster. What to do?

The point is: given the extreme seriousness of being out of oil, and the moderate danger of being low on oil, why don't cars have a better oil measurement system? If they can read tire pressures and monitor them from the dashboard while the wheels are turning, why can't they give you an early warni...
by barnaclebob
Wed Jan 13, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6750

Re: Oil Changes turns into a disaster. What to do?

If the car was worth $3K before the oil change, then the OP is entitled to $3K plus any disposal cost for the car, plus maybe a rental car to use until a replacement car is acquired, or a week, or whatever. -jalbert Plus maybe the costs of buying the new car- sales tax, transfer fees, etc. This is ...
by barnaclebob
Tue Jan 12, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6750

Re: Oil Changes turns into a disaster. What to do?

ArmchairArchitect wrote:Sounds like your "Low Oil" light was not functioning correctly...this would have notified you that your car had no oil left and prevented all the damages.


If the filter came loose it could have drained his car very quickly, only several in between the oil light and a dry sump.
by barnaclebob
Tue Jan 12, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX for my sons Roth?
Replies: 5
Views: 308

Re: VDIGX for my sons Roth?

and in this market going forward
What does that mean to you?
by barnaclebob
Tue Jan 12, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6750

Re: Oil Changes turns into a disaster. What to do?

$15k for the engine? Get a quote from a place that is legitimate :oops: Also, all modern cars have a big red engine oil light which lights up whenever there is not enough oil. Take a little responsibility for your actions as well, driving a car for two weeks without oil is plain ignorance. OP has n...
by barnaclebob
Mon Jan 11, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6750

Re: Oil Changes turns into a disaster. What to do?

Its a shame to lose a good 4runner of that era in that way. In any case the dealers estimate sounds high for an engine swap. You can also look into parting it out on the 4 runner forums. No advice on Jiffy lube other than my dad had to take them to small claims court back in the lat 80's. They calle...
by barnaclebob
Mon Jan 11, 2016 7:22 pm
Forum: Investing - Theory, News & General
Topic: Do Emergency Funds Count as a part of Retirement portfolio?
Replies: 35
Views: 2504

Re: Do Emergency Funds Count as a part of Retirement portfolio?

When your taxable retirement assets grow large enough then you don't need a separate emergency fund
by barnaclebob
Mon Jan 11, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Possible to complete back door roth via online Vanguard?
Replies: 8
Views: 543

Re: Possible to complete back door roth via online Vanguard?

The first time i tried it i had to call but i think that was because my tIRA had been open a short time. Now I do it without any help.
by barnaclebob
Fri Jan 08, 2016 2:27 pm
Forum: Investing - Theory, News & General
Topic: National Law Enforcement Memorial Bonds 10%
Replies: 16
Views: 1963

Re: National Law Enforcement Memorial Bonds 10%

I can't see any possible way that there can be an investment opportunity out of building a memorial.
by barnaclebob
Fri Jan 08, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5707

Re: Jackpot Now Estimated $700 Million, who's in?

I buy at most one ticket, but I know what I should do: daydream about finding a large gold brick on the sidewalk instead. I'm pretty sure the odds are the same. I'd bet more people have won the powerball or megamillions than have found a gold brick on the sidewalk... Aside from some accident where ...
by barnaclebob
Fri Jan 08, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: sock down this time is different
Replies: 18
Views: 1869

Re: sock down this time is different

Someone PM me when we get the dead cat bounce.
by barnaclebob
Fri Jan 08, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard fee to buy backdoor Roth?
Replies: 24
Views: 1324

Re: Vanguard fee to buy backdoor Roth?

I just did a backdoor Roth late in 2015, essentially moving money from Prime MM to a Vanguard Target Retirement Fund (in each of mine and my wife's accounts). We were not charged any commissions or fees for these actions. I'm guessing there is more information to this story that is probably importa...
by barnaclebob
Fri Jan 08, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard fee to buy backdoor Roth?
Replies: 24
Views: 1324

Re: Vanguard fee to buy backdoor Roth?

Total noobie here: just wondering, was I supposed to get charged a trading fee of $7 for my backdoor when I purchased a mutual fund with money that had been in a money market account? Is there a way to avoid this? As in buy the eventually desired Roth mutual fund in the tIRA and then convert? Its u...
by barnaclebob
Thu Jan 07, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: How would a boglehead spend the lotto?
Replies: 36
Views: 1489

Re: How would a boglehead spend the lotto?

I'd have the institutional class of index funds along with a $105k watch.

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