Search found 2221 matches

by barnaclebob
Mon Dec 11, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Cloud mining and holding bitcoin
Replies: 7
Views: 598

Re: Cloud mining and holding bitcoin

Why on earth would anyone rent time on a processor for less money than they could get for mining?
by barnaclebob
Fri Dec 08, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 66
Views: 6822

Re: Just not getting it

The trends you seen in amazon and all of these other companies are seen by everyone else and priced into the stock. Why do you think Tesla has such a huge market cap compared to established auto makers when it has a tiny fraction of the output? Its already priced at a level that assumes electric car...
by barnaclebob
Fri Dec 08, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: GPS tracker for loved one w Alzheimer’s
Replies: 21
Views: 1174

Re: GPS tracker for loved one w Alzheimer’s

Does she carry a phone and keep it charged regularly? There are tracking apps on phones but they may drain the batteries faster.
by barnaclebob
Fri Dec 08, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed over with regards to 401k distribution. What can I do?
Replies: 16
Views: 1539

Re: Screwed over with regards to 401k distribution. What can I do?

Cash like stacks of $100 bills??? If so:

How was it mailed? Did you sign for it or anything? Are you sure you received it... :twisted:
by barnaclebob
Fri Dec 08, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 44
Views: 2270

Re: Should I file taxes w/o her?

I earn 177k and she earns 350K. I am not complaining, however I am deeply troubled by the fact that when we filed jointly last year for the first time, I was murdered in taxes. Would it make sense to file by myself? I asked my accountant and he said it was about the same. How can that be? Yes AMT g...
by barnaclebob
Fri Dec 08, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1857

Re: Fuel Additives for 2017 Toyota Camry

Ethanol separation can be a problem but typically in older vehicles with rubber parts in their fuel systems and when cars are stored. If you run through a tank monthly you should be fine. Any issues would be covered under warranty initially anyways. Is that the ethanol actually separating from the ...
by barnaclebob
Fri Dec 08, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2288

Re: Sweet Gum Balls

I have fond summer memories of picking the gumballs off our sweet gum tree and launching them as far as possible with a tennis racket. I think we ended up picking the tree mostly clean from what we could reach with a rake and it didn't make them the next year. Not sure if that was the reason though....
by barnaclebob
Fri Dec 08, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1540

Re: sharing cost of tree cutting

If you like the tree and trimming it wont fix the problem nicely tell him to pound sand. I'm sure the tree and the pool were there when he bought the house. The only exception to this would be if you think you'll need him to do something neighborly for you that he isn't legally required to do.
by barnaclebob
Fri Dec 08, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1857

Re: Fuel Additives for 2017 Toyota Camry

Lol, bacteria in the gas tank, that's a new one for me.* Leave this place a 1 star review on google and/or yelp and never go back. Also I'm not sure if ethanol will actually separate from gas. *Yes I'm sure there is some bacteria that can live in these conditions but I doubt it would pose a problem ...
by barnaclebob
Thu Dec 07, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 88
Views: 7651

Re: Want to sell my Bitcoin, but when?

most bitcoin markets are currently locked up. There was a quick surge to 19.5k followed by a fall to about 15k. Wait, it looks like trading literally opened back up around 15.5k
by barnaclebob
Thu Dec 07, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Vague job listings
Replies: 15
Views: 626

Re: Vague job listings

Why not make a list of companies in the area you want to work and apply directly at their websites or wherever their websites direct you. That way you wont be scammed.
by barnaclebob
Thu Dec 07, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?
Replies: 47
Views: 4029

Re: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?

Sadly you wont be able to help. In order for him to change his ways he'll have to accept that the last 20 years of his life have been a waste. How would you react to someone trying to convince you that the church you both attend is just a place where lies are spread? That's what you are up against.
by barnaclebob
Wed Dec 06, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 55
Views: 6476

Re: House on the market less than a day. Did listing agent commit fraud?

Not sure what could be fraudulent. The seller might have gotten an all cash offer for over asking and took it. In a hot market you need to jump on it same day. It is a bit unusual though.
by barnaclebob
Wed Dec 06, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 2755

Re: Work from Home Jobs

I have a friend who works 100% from home for HP (or whatever they spun their services business unit into) doing database base stuff for hospitals. He says its soul crushing and he has to make up a lot of slack for workers on his team who don't know what they are doing.
by barnaclebob
Wed Dec 06, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5587

Re: Mortgage as percentage of take-home pay

Or mortgage on our new house will be approximately 50% of our take home pay on a 20 year note. But we put in 30% (will temporarily go down to 20% to rebuild some taxable $ savings) to our 401k before that. About 25% of take home pay is other expenses and the final 25% for the backdoor roth and other...
by barnaclebob
Wed Dec 06, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 32
Views: 2021

Re: Timing the housing market

A housing and stock market correction will probably happen together if they are quick movements. So in order to time the housing market to buy more house or get the house you want cheaper, you will need to be divested from the stock market.
by barnaclebob
Wed Dec 06, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 1802

Re: Inexpensive way to ship heavy item...

How much personal service does the company have? I have read that you can ship things fairly cheaply on greyhound buses but there is no real tracking and they wont tell you how long it will take to get there. Someone at the company would have to go pick it up from a terminal.
by barnaclebob
Tue Dec 05, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4539

Re: selling an older car on eBay-no bites!

lol, anyone you don't have to pay to take it away is getting hosed.
by barnaclebob
Tue Dec 05, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I start making candy bars?
Replies: 6
Views: 1412

Re: Should I start making candy bars?

These types of products are a dime a dozen and its anyone's guess as to which will succeed or not.
by barnaclebob
Tue Dec 05, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 6748

Re: Vanguard customer service reps need some training

A lot of people on this Forum complain about Vanguard in one way or another. There is a simple way for those dissatisfied with Vanguard to fix this problem. Move your assets to another firm. I wish good luck to those who choose to do this. Garland Whizzer I think there is a place for constructive c...
by barnaclebob
Tue Dec 05, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Disputing a charge against an auto repair shop, should I give them another chance to make it right?
Replies: 17
Views: 1576

Re: Disputing a charge against an auto repair shop, should I give them another chance to make it right?

You are supposed to try to come to an agreement with the business before doing a chargeback with the CC company. If the charges are reversed they could send what you owe to collections but I don't know the best course of action if that happens.
by barnaclebob
Mon Dec 04, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: RV rentals
Replies: 21
Views: 1839

Re: RV rentals

Better to just read and move past thoughts that don't fit your perfect response rather than shut down the discourse. Just my opinion. :o IMO, if you aren't answering what's being asked, you are not capable of learning. Now, can you read and move past this ? Thanks Or maybe they want to provide an a...
by barnaclebob
Mon Dec 04, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6541

Re: How to convince DW that high miles used car is OK

I have owned 2 cars whose brake lines failed under 150,000 miles. Its a serious shock to put your foot on the brake and it hits the floor as you keep going! Unless you like the feeling of your stomach moving up your throat its not worth the "thrill". How to prevent this from happening? Inspect the ...
by barnaclebob
Fri Dec 01, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2117

Re: For Musk, an Energy Feat the Size of a Football Field

Has the issue of the life of these batteries and how they will be recycled been addressed? Also I saw no real facts on the capacity of this football field sized battery bank. That's a lot of batteries to power 30k homes. Also the general public still doesn't have an understanding of how bad battery...
by barnaclebob
Fri Dec 01, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Best small Drone
Replies: 11
Views: 701

Re: Best small Drone

What kind of photography do you want to do?
by barnaclebob
Fri Dec 01, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2117

Re: For Musk, an Energy Feat the Size of a Football Field

Has the issue of the life of these batteries and how they will be recycled been addressed? Also I saw no real facts on the capacity of this football field sized battery bank. That's a lot of batteries to power 30k homes. Also the general public still doesn't have an understanding of how bad battery...
by barnaclebob
Fri Dec 01, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2117

Re: For Musk, an Energy Feat the Size of a Football Field

Has the issue of the life of these batteries and how they will be recycled been addressed? Also I saw no real facts on the capacity of this football field sized battery bank. That's a lot of batteries to power 30k homes. Also the general public still doesn't have an understanding of how bad battery ...
by barnaclebob
Thu Nov 30, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2003

Re: Safes

Unless it has a UL time rating I don't think the "UL residential security container" rating means that much. Burglary Classification Residential Security Container (RSC) signifies a combination or keylocked unit designed to offer protection against entry by common mechanical tools. Performance tests...
by barnaclebob
Wed Nov 29, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9294

Re: Why should I donate to my alma matter?

As far as I'm concerned colleges were complicit in student loan problems. They raised tuition on the backs of students who had no hope of getting a good paying degree in their field just because they could. I got a great education at my college but won't be giving them a dime. Any money I give will ...
by barnaclebob
Wed Nov 29, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5162

Re: Edward Jones trap

My sister and her husband switched to Edward Jones and I want to persuade them to leave... her mother-in-law introduced EJ to them. Anybody been in a similar situation and can share some advice? Should I just not even bother? Sister said, “Since we've switched to Edward Jones, our returns have been...
by barnaclebob
Wed Nov 29, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Scammed by Enterprise Car Rental
Replies: 35
Views: 4189

Re: Scammed by Enterprise Car Rental

Can you file a chargeback on your CC?
by barnaclebob
Wed Nov 29, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5442

Re: When to tell the SO about my financial situation?

I'd tell her at least what you make and how much of it you save. Telling her the totals is a toss up at this point but it could illustrate what a decade or more of good savings can accomplish. If she changes and wants more expensive things from you then it will be good to know that sooner rather tha...
by barnaclebob
Wed Nov 29, 2017 12:26 am
Forum: Personal Consumer Issues
Topic: Unexpectedly in the housing market--should we buy this house or wait?
Replies: 29
Views: 3256

Re: Unexpectedly in the housing market--should we buy this house or wait?

For new construction there isnt much a home inspector will tell you. You already know the quality of the finishes but nobody knows whats behind the walls. You can probably find a checklist on the internet if you want to.
by barnaclebob
Tue Nov 28, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Tracking the Bitcoin Bubble in Real Time?
Replies: 70
Views: 4673

Re: Tracking the Bitcoin Bubble in Real Time?

Exactly what has bitcoin disrupted? IMHO up till now it is largely a self contained universe that has so far only affected (for good or ill) those who have actively sought it out. It's not disruptive till it reaches out and grabs people whether they want it to or not. I think the word "disruptive" ...
by barnaclebob
Mon Nov 27, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 60
Views: 5078

Re: Amazon Prime - Decline in Delivery Service?

I ordered 2 packs of LED light bulbs last night via prime 2 day shipping. They were delivered about 18 hours later.
by barnaclebob
Mon Nov 27, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 6890

Re: Any BLACK FRIDAY deals for Bogleheads?

The local grocery store (Central Market for those in the seattle area) has 25% off gift cards up to $400 on sale today. Since I shop there anyway why not get $100 in free groceries.
by barnaclebob
Mon Nov 27, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1484

Re: Charcoal grill

It seems most people have glossed over the main point here. It will be used on a condo terrace.

How big is the terrace because just about any smoker can cause issues at a condo complex depending on the wind and distance from units.
by barnaclebob
Mon Nov 27, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Kreg jig
Replies: 23
Views: 1710

Re: Kreg jig

I have the two holed kreg jig that clamps to the part being screwed and it was a massive time saver when building new face frame cabinets for my kitchen. My wife couldn't believe how fast the cabinets were built. But for furniture pocket hole joinery is generally looked down upon in the woodworking ...
by barnaclebob
Wed Nov 22, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 34
Views: 2177

Re: How difficult and expensive to add a new bathroom?

A lot of 3 bed 1 bath houses are single floor and might be a slab house with no cheap way to change the plumbing because its built into the slab.

I wouldn't be surprised if the cost could range from 20k to 100k depending on the layout of the house.
by barnaclebob
Wed Nov 22, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12027

Re: Help DW gets fired, but then next day her boss offers her job back

If she does not take the -25% "offer", she's quitting and the employer's state UI costs will not rise. The more claims an employer's former employees make, the more it has to pay into state UI. Maybe the boss didn't think about that when he hatched this scheme to replace her :? , and now cuts salar...
by barnaclebob
Wed Nov 22, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2712

Re: Christmas gifts for lots of kids (experiences or stock)?

Last few years I have given each grandchild an ounce of silver in the form of a Christmas themed coin. The coins (in a clear protective case) go in their Christmas stockings. They can hold them, admire the design, and the surfaces of the coins are protected. Broken Man 1999 Give em a coin they can ...
by barnaclebob
Wed Nov 22, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 38
Views: 2582

Re: Whole House Surge Protector still works with breaker off?

While this thing is considered a "whole house" unit, being fed by wimpy 15A breakers tells me that it's not going to do much for serious surges or hits. My understanding is that surges happen faster than breakers can trip so the amperage of the breaker its connected to doesnt really matter. None of...
by barnaclebob
Wed Nov 22, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 38
Views: 2582

Re: Whole House Surge Protector still works with breaker off?

I think there might be some confusion because you made it sound like he flipped the breakers to the lights but the lights still stayed on. He is right and that if the protector fails, you'll still have power as it works kind of like fused overflow valve. Is the protector wired into a single breaker...
by barnaclebob
Tue Nov 21, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retention Bonus
Replies: 7
Views: 1067

Re: Retention Bonus

Can you pay everything back and have them make sure everything is correct on your W-2?
by barnaclebob
Tue Nov 21, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2712

Re: Christmas gifts for lots of kids (experiences or stock)?

How about some Silver eagles or some kind of silver bars if you want to be real nice? From age 5 or 6 on I would have thought it would be fun to have a coin that was "really worth something" and could go up in value. But that's just me...
by barnaclebob
Tue Nov 21, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1106

Re: Daycare Parting Gift

Thank you for your response. I will find gift cards or nice quote as wall hanging especially this one "A hundred years from now it will not matter what my bank account was, the sort of house I lived in, or the kind of car I drove. But the world may be different, because I was important in the life ...
by barnaclebob
Tue Nov 21, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1550

Re: Anyone "re-door" their kitchen cabinets?

Take a look at Barker door online. You just pick your stile (cabinet door pun), feed them the dimensions. They build and ship after that. I got a sample door from them and it was great quality but ended up building the doors from scratch myself for the same cost except I had a table saw, router, and...
by barnaclebob
Tue Nov 21, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1106

Re: Daycare Parting Gift

Don't wast your money on that. Even if they aren't offended, it probably wont be in their taste. Give something consumable so it won't waste space in their house. Having your kids draw a thank you picture might also be nice
by barnaclebob
Tue Nov 21, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 38
Views: 2582

Re: Whole House Surge Protector still works with breaker off?

I think there might be some confusion because you made it sound like he flipped the breakers to the lights but the lights still stayed on. He is right and that if the protector fails, you'll still have power as it works kind of like fused overflow valve. Is the protector wired into a single breaker ...
by barnaclebob
Tue Nov 21, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the final months of work
Replies: 50
Views: 3706

Re: Planning for the final months of work

I may be wrong but I think financial advisory fees are tax deductible as well. Someone can supply correct detail on that. Certain investment expenses are a miscellaneous deduction so only the amount over 2% of your total AGI is deductible. However if those fees reduce your AGI (as ER's and AUM fees...