Search found 1251 matches

by barnaclebob
Fri May 20, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: The best use of approx. $100,000
Replies: 14
Views: 1876

Re: The best use of approx. $100,000

if he wants you to pay "interest" on his gift then why wouldn't he just give you less of a gift? Its either a loan or a gift, not both. Or is he buying a form of an annuity from you? Either way it is almost always a bad idea to mix your finances with relatives just as a matter of principle...
by barnaclebob
Fri May 20, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: The best use of approx. $100,000
Replies: 14
Views: 1876

Re: The best use of approx. $100,000

I don't understand, is the this a loan or a gift? Why would he want to be paid back interest only and not principle if its a gift?
by barnaclebob
Fri May 20, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Food waste because of date labeling
Replies: 26
Views: 1554

Re: Food waste because of date labeling

We do indeed waste a lot of food as a country. I would submit, however, that food has sell by dates on it for a reason. Food borne illness is not a trivial matter. Foodborne illness is more a matter of unsanitary conditions combined with improper cooking techniques in most cases, its not really a t...
by barnaclebob
Fri May 20, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Pay off car or save/invest that money
Replies: 14
Views: 1025

Re: Pay off car or save/invest that money

I'd pay off the car, I hate all debt.
by barnaclebob
Wed May 18, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Dark wood tile floors (not real wood)
Replies: 10
Views: 1032

Re: Dark wood tile floors (not real wood)

I have real wood floors in my first floor including the kitchen in a lighter color, It gets drip spots all over the place that wouldn't be as visible with a darker color. I can also see dust and crumbs build up in high traffic areas and under the coffee table. I'm far from a neat freak and let it bu...
by barnaclebob
Wed May 18, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 29
Views: 1752

Re: garden hose

TxAg wrote:I have two "Never Kinks"

Bought them both at Lowes but I've seen them on Amazon and Target. They are the bees knees.


My never kinks get kinked after a couple years on a hose reel.
by barnaclebob
Tue May 17, 2016 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: My friend wants to invest money; please review my advice for her
Replies: 44
Views: 3154

Re: My friend wants to invest money; please review my advice for her

That seems too risky given her income and amount of assets. I'd go 50/50 stocks bonds at most. In reality investing wont help her much at all, earning more money will trump investment returns big time. Although if she has a super low cost of living then maybe it will...
by barnaclebob
Tue May 17, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Elliptical trainer
Replies: 43
Views: 1948

Re: Elliptical trainer

its almost summer, unless you live in an area with oppressive heat wait until winter to buy the elliptical and exercise outdoors.

Also what does "get in shape" mean? For most people it usually means to lose weight which is not accomplished primarily through increased exercise...
by barnaclebob
Mon May 16, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: Did I uncover a scam?
Replies: 34
Views: 3978

Re: Did I uncover a scam?

They aren't called stealerships for nothing...
by barnaclebob
Mon May 16, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 2235

Re: Any beekeepers out there?

I wish I had space for a hive. Next year we'll probably get some mason bees to help with the fruit tree pollination though.
by barnaclebob
Fri May 13, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Lock up your valuables
Replies: 20
Views: 1944

Re: Lock up your valuables

Locking up (or hiding) 30k in jewelry seems like common sense to me...

We'll i guess if they are insured then it really wouldn't matter except for any sentimental or hard to replace items.
by barnaclebob
Fri May 13, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones out of the 401K business leaving us hanging...
Replies: 20
Views: 3169

Re: Edward Jones out of the 401K business leaving us hanging...

Edward Jones and John Hancock, two of the worst names in the mutual fund industry that aren't actual scams.
by barnaclebob
Thu May 12, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Endorsement: Henckels knives
Replies: 32
Views: 3650

Re: Endorsement: Henckels knives

For sharpening I use a wicked edge system (field and sport pro) and love it. Its pretty expensive but I get a mirror smooth edge with the 1000 grit diamond steels and then using some 2000 grit sand paper strips taped over them. I've since added the 1200/1600 grit ceramic stones so I don't need the s...
by barnaclebob
Tue May 10, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Sister's Broker Accused of Fraudulent Activity
Replies: 7
Views: 1142

Re: Sister's Broker Accused of Fraudulent Activity

Why is everyone so afraid of posting the names of someone from a public SEC investigation?
by barnaclebob
Mon May 09, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10191

Re: Is buying organic really that expensive?

But the real difference is that with a GMO, somebody owns the genetic code of the organism and for any given GMO every single organism is identical and belongs to the owner of that genetic code. How is that different from any other patent where the owner of the patent doesn't allow anyone to reprod...
by barnaclebob
Mon May 09, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Drill chuck only accepts 1/4" hex bits
Replies: 17
Views: 1148

Re: Drill chuck only accepts 1/4" hex bits

Yeah, send it back. You for sure want a drill with a normal chuck if its your only one. The driver can be hex though.
by barnaclebob
Mon May 09, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10191

Re: Is buying organic really that expensive?

But the real difference is that with a GMO, somebody owns the genetic code of the organism and for any given GMO every single organism is identical and belongs to the owner of that genetic code. How is that different from any other patent where the owner of the patent doesn't allow anyone to reprod...
by barnaclebob
Mon May 09, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: 26 y/o with ~$175,000 inheritence
Replies: 37
Views: 6034

Re: 26 y/o with ~$175,000 inheritence

All of this information is great. Doing a lot of reading now. Also going to meet with a friends brother who is CPA certified, trying to use all resources to make the most informed decision. Thanks, all. These are the most dangerous people to talk to. Telling your friends brother "no" may ...
by barnaclebob
Mon May 09, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10191

Re: Is buying organic really that expensive?

She'll see the light one of these days since she keeps having to borrow my milk when hers goes bad like 3 days after opening. This has nothing to do with being organic or not, it has to do with the pasteurization process. If anything, my 10 seconds of research indicates that organic milk will usual...
by barnaclebob
Fri May 06, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Steam Shower - Your experiences?
Replies: 30
Views: 3608

Re: Steam Shower - Your experiences?

Personally I don't like any shower heads where the water falls vertically onto you vs spraying at an angle from the wall. Too much water coming over my forehead into my face.
by barnaclebob
Thu May 05, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: 2 UA Tickets to Japan. Need to change/cancel.
Replies: 8
Views: 781

Re: 2 UA Tickets to Japan. Need to change/cancel.

Is the cancellation fee the same as the change fee?
by barnaclebob
Thu May 05, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Fence Building: Soaking cedar fence posts in preservative?
Replies: 24
Views: 1559

Re: Fence Building: Soaking cedar fence posts in preservative?

My pressure treated 4x4 posts sunk straight into dirt lasted about 15 years in the pacific northwest in the wettest portion of my yard that gets no sunlight and is damp year round. The posts on the well drained portion of the yard are up to 20 years now an still going strong. This assumes the fence ...
by barnaclebob
Tue May 03, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: How to properly fire a painter?
Replies: 10
Views: 2337

Re: How to properly fire a painter?

If the work is unsatisfactory and doesnt reduce the cost of whoever will be your next painter then don't pay him. Look up the recourse for a lien being placed on your house in case he files one. Point out the reasons why you are unsatisfied and take pictures. He may offer to fix his mistakes if you ...
by barnaclebob
Tue May 03, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Buying a house, but sold as is?
Replies: 27
Views: 2545

Re: Buying a house, but sold as is?

aren't pretty much all home purchases "as is" unless the sellers fraudulently omitted information from the disclosures (and the buyer can prove it)? I think them saying "as is" is just another way of saying don't bother coming back and asking for repairs after the inspection. I t...
by barnaclebob
Mon May 02, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 2139

Re: Wine Purchase Question

You can't really go wrong with anything at costco. I can't remember a bad wine from there. Don't worry about pleasing wine snobs, if they cant enjoy a majority of wines then you'll never make them happy anyway.
by barnaclebob
Fri Apr 29, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4417

Re: Best drill/driver for home use

there is a Ridgid impact driver at Home Depot for $99 with 2 batts/charger and case. These are amazingly better than even 10 years ago. And I have a 12V Ridgid driver with a single worn out battery and HD does not carry the replacement. The new ones are different. For a while, HD would replace the ...
by barnaclebob
Fri Apr 29, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Home Brewing
Replies: 14
Views: 1027

Re: Home Brewing

Homebrewing is typically done in 5 gallon batches and then the bottles are carbonated by adding sugar prior to bottling, if you don't keg. The cheapest set of equipment for good beer IMO is as follows and will allow you to do all grain right from the start. It is BIAB (Brew In A Bag or Brew in Bag)....
by barnaclebob
Thu Apr 28, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5690

Re: What's become of Consumer Reports?

I never bought into the fact that they can predict the long term reliability of brand new products.
by barnaclebob
Wed Apr 27, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Growth Fund of America AGTHX Performance
Replies: 6
Views: 541

Re: Growth Fund of America AGTHX Performance

I don't see the dip you are talking about in 2014. The S&P dipped too. AGTHX basically had success early and more money poured into it. It became so big that there is really nowhere for it to gain any significant edge without significant risk. Hence it is now a closet index fund but with higher ...
by barnaclebob
Tue Apr 26, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2339

Re: CVT car transmissions

My 2011 Nissan Altima V6 has just under 70k on it with no problems knock on wood. Other years before this and their new generation of CVT have had major issues, hopefully I am lucky. As far as driving i really like not having any shifting. When you floor it the RPM stays right at 6200 and you get co...
by barnaclebob
Tue Apr 26, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: Laminate Flooring Installers - finding local contractors
Replies: 14
Views: 902

Re: Laminate Flooring Installers - finding local contractors

Has lumber liquidators been able to assure the safety of their product yet? Even if it is safe now I wouldn't want to do business with them for punitive reasons.

The lowest price isn't always the best value...
by barnaclebob
Mon Apr 25, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4417

Re: Best drill/driver for home use

I really like my Dewalt 18v XRP. Im sure the 20v is good too. All other tools such as the dewalt sawzall, dewalt jigsaw, and porter cable circular saw are corded. Ok well i have a 18v dewalt impact driver too but thats for automotive work mainly. I recommend finding a pawn shop with a good tool sele...
by barnaclebob
Mon Apr 25, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: Car Buying Advice
Replies: 31
Views: 2738

Re: Car Buying Advice

Casper wrote:Kia has improved dramatically in the last 5 years


5 years is not enough time to say that they have improved quality. 10 years min but when I see people bragging about their 15 and 20 year old Kias, then maybe I'll consider one.
by barnaclebob
Mon Apr 25, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 4245

Re: Pros/Cons of Condo Living?

I personally love home ownership and would never want a condo long term. No space for hobbies that take equipment. No place for tools to build or work on things. Zero or very limited vegetable garden space. Noisy upstairs neighbors. No yard or private area to sit outside. Condo fees and special asse...
by barnaclebob
Mon Apr 25, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Cost to refinish hardwood floors and to install new floors
Replies: 16
Views: 1187

Re: Cost to refinish hardwood floors and to install new floors

A few years ago when we were having new carpet put in upstairs, the flooring guy commented that we had nice wood floors downstairs (the real kind that takes sanding and finishing) and the previous owners probably spent about 10k to have them installed, about 700 or 800 square feet. We have flush ven...
by barnaclebob
Mon Apr 25, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Car Buying Advice
Replies: 31
Views: 2738

Re: Car Buying Advice

No way I would be spending over 30k on a car if i had to take out a loan, especially a Kia.
by barnaclebob
Mon Apr 25, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Just washed and stained my cedar house. You'll never guess my next question :)
Replies: 16
Views: 2506

Re: Just washed and stained my cedar house. You'll never guess my next question :)

Hardiplank siding has just about zero maintenance as far is I know.
by barnaclebob
Thu Apr 21, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 37
Views: 3530

Re: Want to buy a home safe - advice?

For the price of any safe worth having you can have a carpenter build a vanity with a hidden compartment big enough for a fire resistant box. This is the route I decided to go instead of a safe. Now I just need to build it...
by barnaclebob
Wed Apr 20, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: nice read.."Did Fidelity Cheat [One of] It's Own Clients"
Replies: 13
Views: 2337

Re: nice read.."Did Fidelity Cheat It's Own Clients"

If you are doing this type of investing you really need to know what happens behind the scenes and track the actual flow of your money and shares.
by barnaclebob
Tue Apr 19, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8882

Re: Better than amazon??

Amazon haters will find reasons to not shop there. I personally really like amazon for the convenience and customer service. Amazon is no longer a place to consistently get super awesome deals for the most part which is fine. I HATE running errands or calling a bunch of stores to find out if they ha...
by barnaclebob
Mon Apr 18, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: Emergency fund needed?
Replies: 17
Views: 1717

Re: Emergency fund needed?

I keep 10k in a money market as a buffer to pay off an unexpectedly high credit card bill.
by barnaclebob
Fri Apr 15, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Stub Hub High Fees - WOW
Replies: 29
Views: 3143

Re: Stub Hub High Fees - WOW

The wife and I wanted to go to a major league baseball game. We went on Stub Hub to buy some tickets like we have done dozens of times before. Well we found the tickets we wanted at $36 per seat and bought 4. Then when we went to checkout, Stub Hub added on $9.62 in fees and bs per seat. So the rea...
by barnaclebob
Fri Apr 15, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 2685

Re: Security features of a good front door

I have heard that burglars will break a window and reach around to unlock a door so maybe not having windows is good.
by barnaclebob
Fri Apr 15, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 5043

Re: If wall street is rigged and corrupt , why invest in it?

The corrupt still have to throw a few scraps down to us to make it look like their companies are performing well.
by barnaclebob
Fri Apr 15, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Cooking Meat/Fish/Poultry Indoors?
Replies: 32
Views: 1971

Re: Cooking Meat/Fish/Poultry Indoors?

I hate broiled meat. To me it ruins the flavor. Have you ever eaten a steak at a restaurant? Chances are it was cooked in a broiler. Yes, it was probably a super high temp broiler, but still... Odds are, if you've had broiled meat that wasn't tasty, it should have been seared first. The best filet ...
by barnaclebob
Thu Apr 14, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: Tree swing questions
Replies: 15
Views: 800

Re: Tree swing questions

If you use a climbing rope, get a static rope (does not stretch) rather than dynamic (stretches on a fall so the g force on the climber is less during a fall). Thanks. I assume you are a climber? What knot would you suggest? I'm a climber and I'd use a figure 8 with a two carabiners opposite and op...
by barnaclebob
Thu Apr 14, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: Tree swing questions
Replies: 15
Views: 800

Re: Tree swing questions

I have heard that it is better for the tree to put a piece of hardware straight thru it, rather than girdle it with a rope. I do not know for certain if this is correct, but perhaps someone else here does? On this old house they anchored a tree house by putting huge bolts straight into the tree. I ...
by barnaclebob
Thu Apr 14, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Sport players Cards (Football, Baseball, Basketball), anyone collect?
Replies: 52
Views: 3716

Re: Sport players Cards (Football, Baseball, Basketball), anyone collect?

I have thousands of cards that have moved with me too many times. 99.9% are worth very little. A few cards should have some value, but it's been awhile since I looked at them. My best cards off the top of my head: Joe Montana RC, 6 Jerry Rice rookies, Dan Marino RC, Ken Griffey Jr Upper Deck RC, Ba...
by barnaclebob
Thu Apr 14, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Cooking Meat/Fish/Poultry Indoors?
Replies: 32
Views: 1971

Re: Cooking Meat/Fish/Poultry Indoors?

Don't buy a special appliance for cooking meat indoors*. A stove can provide all of they heat you need, it's just matter of using it right and having the right cookware. How is the hood over your range? Most of the nest tasting methods to cooking meats generate smoke. Braising certain cuts can also ...

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