Search found 1774 matches

by barnaclebob
Fri Apr 21, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: basement shower options
Replies: 18
Views: 759

Re: basement shower options

I'd look at a prefab shower pan and then an easy to do tile pattern for the rest. That can give it a good look for relatively cheap but not as cheap as a 3 piece insert.
by barnaclebob
Thu Apr 20, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Shopping for a new hot tub
Replies: 24
Views: 1589

Re: Shopping for a new hot tub

Life can be difficult some times.
by barnaclebob
Thu Apr 20, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Shopping for a new hot tub
Replies: 24
Views: 1589

Re: Shopping for a new hot tub

Shop around at hot tub stores?
by barnaclebob
Thu Apr 20, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2416

Re: Building your own fence

Digging post holes is what would keep it from being a DIY job for me. If you could rent a tractor with an auger then that would make life a lot easier.
by barnaclebob
Thu Apr 20, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Too much inheritance to handle. Advice needed
Replies: 89
Views: 9562

Re: Too much inheritance to handle. Advice needed

.3-.4% is the max you should be paying. DIY is just the ER's of the mutual funds at .05-.15% and if you want you can use vanguards management services which is like another .3% on top of that.
by barnaclebob
Thu Apr 20, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Armageddon Insurance - how to spend $100k
Replies: 29
Views: 2379

Re: Financial Armageddon Insurance - how to spend $100k

If you are talking just financial collapse with only a moderate amount of civil unrest that wouldn't necessitate prepper level stuff then I'd buy physical gold, silver, and have a stack of $20's on hand.
by barnaclebob
Thu Apr 20, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: What To Do With My Car While in NYC
Replies: 32
Views: 2674

Re: What To Do With My Car While in NYC

If you sell it and save the proceeds for your next car then you are theoretically only losing the transaction costs and the bid/ask spread minus any interest you will accrue and fixed expenses like insurance, registration, or taxes.
by barnaclebob
Wed Apr 19, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity ethics moving to Vanguard
Replies: 35
Views: 3739

Re: Fidelity ethics moving to Vanguard

Pro tip: The fewer people you talk to when dealing with your money, the better the outcome will be. So how do you keep them honest? In my 30yrs of investing I've come to not trust brokers. I understand their in it to make money (with yours) not necessarily in your best interest. I've always used tw...
by barnaclebob
Wed Apr 19, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity ethics moving to Vanguard
Replies: 35
Views: 3739

Re: Fidelity ethics moving to Vanguard

Pro tip: The fewer people you talk to when dealing with your money, the better the outcome will be.
by barnaclebob
Wed Apr 19, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new house in Seattle area?
Replies: 19
Views: 1446

Re: Buy new house in Seattle area?

What do you consider the burbs of seattle? Greenlake..or Lynnwood?
by barnaclebob
Wed Apr 19, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 4817

Re: Bill received after Estate is closed

How much do you value the relationship with the attorney? If he is owed the 2k and made a mistake and his relationship is worth that cost then I would pay it. Otherwise I would pay my share of it from my distribution but say that the rest has been distributed and you don't feel comfortable asking th...
by barnaclebob
Wed Apr 19, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 2894

Re: Improving my Math Skills

What kind of math is needed for your job? Do you need to be able to do quick calulations in your head? Hand check what a tool is telling you, or implement new complex optimization algorithms? I'm an engineer and most of the math I do is pretty simple while manipulating data in excel is what can be c...
by barnaclebob
Tue Apr 18, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 5456

Re: What kind of stuff would you never DIY, assuming you could?

The only things I have paid a professional for since I became a DIY'er are as follows: wasp nest removals from up high and in the walls medium sized tree removal a new gas line being run to my kitchen (crawlspace and line sizing issues i didn't want to deal with) an upcoming granite counter installa...
by barnaclebob
Tue Apr 18, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 3755

Re: Why do I owe so much on my taxes?

You didn't withhold as much as your owe, plain and simple. Check your withholding calculations. Did you confuse allowance and exemption in your post?
by barnaclebob
Tue Apr 18, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 5456

Re: What kind of stuff would you never DIY, assuming you could?

Where is the logic in hearing about a tire shop not doing a job properly and causing serious injury and then deciding to only have tire shops do your work so you won't be held liable. Tire shops probably have some of the worst mechanics in the country. My uncle almost had a wheel fall off on the hig...
by barnaclebob
Tue Apr 18, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 5329

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

You will have lost as soon as you walk into the advisors office and want his opinions. The battle right now is investment advisor vs DIY. Your specific portfolio doesn't matter and if you let the advisor know what it is then he will just be able to poke holes in it with a bunch of fear mongering. Th...
by barnaclebob
Tue Apr 18, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 4830

Re: How to make best use of lunch with the company president/CEO?

How big is the company? At my megacorp the CEO is essentially a politician/salesman/lobbyist so anything he says related to work will be like canned town hall meeting answer. Talking to anyone greater than 3 levels above me is pretty much these same result and won't result in anything. Personally I'...
by barnaclebob
Mon Apr 17, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: ROI for Boat Repair Project
Replies: 11
Views: 816

Re: ROI for Boat Repair Project

This sounds like an amazing way to lose $2000.
by barnaclebob
Mon Apr 17, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 8780

Re: Why would anyone want to buy bond funds?

knpstr wrote:This is actually why I don't own any bonds, haha! Stocks, as a whole, do always go up.



Correction: Stocks as a whole HAVE always GONE up.
by barnaclebob
Fri Apr 14, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: The Fool Price
Replies: 8
Views: 1505

Re: The Fool Price

I always try to resist buying something months ahead at a sale price unless that price is truly great. Either way I usually only buy things I will need.
by barnaclebob
Fri Apr 14, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6412

Re: Dealership rejecting rebate after contract signed

First read the fine print to see if there are any contingencies in the dealers favor.

Then read the fine print for the rebate to confirm whether you meet the requirements or not.

After that you can see if you have any reason to fight them.
by barnaclebob
Fri Apr 14, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Repair vs Replace car for someone just starting out
Replies: 23
Views: 1485

Re: Repair vs Replace car for someone just starting out

You bought a used Hyundai once and were burned, don't make the same mistake again. I for sure wouldn't put that much money into a hyundai with 161k on the clock. My advice is to get a Honda Fit or Civic or the Toyota equivalent. You can get fairly low mileage on the fit for $10k and it should last y...
by barnaclebob
Thu Apr 13, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 1703

Re: Keep old yet reliable used car or buy new

hightower wrote:However, it needed around $1500 in repairs all of the sudden (front struts and tires).
This is routine maintenance, not repairs and it almost certainly wasn't "all of the sudden".
by barnaclebob
Wed Apr 12, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2355

Re: Problems with oil pans and plugs for Honda Odyssey

This is arguably the fault of Subaru. Why have a drain plug that requires a driver bit that many mechanics don't have? I don't think you read Jack's post correctly. He's saying that mechanics USED to open the wrong (transmission) drain plug when trying to change engine oil, because it was easy to d...
by barnaclebob
Wed Apr 12, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2355

Re: Problems with oil pans and plugs for Honda Odyssey

A quick story to show how much incompetence there is in the oil change industry. Subaru changed their manual transmission drain plug from a square female plug (you put a 1/2" extension in to turn it) to a T-70 Torx fitting. Why? Because most clown mechanics don't have a T-70 (they're not in ty...
by barnaclebob
Wed Apr 12, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax preparer charging for past tax PDF's copies
Replies: 49
Views: 3334

Re: Tax preparer charging for past tax PDF's copies

I'd take my business elsewhere too, especially because he doesn't provide the forms when filing.
by barnaclebob
Wed Apr 12, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 3357

Re: Legality of renters posting reviews of a condominium complex?

pssst...this issue has nothing to do with the first amendment.
by barnaclebob
Wed Apr 12, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2355

Re: Problems with oil pans and plugs for Honda Odyssey

After its repaired, have the mechanic install a fumoto valve and then tell all future oil change mechanics that you have one and to not remove it. If any of them remove it anyway to drain the oil and strip the pan then you have a great argument for them paying for the repair. Anyone aware of whethe...
by barnaclebob
Wed Apr 12, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2355

Re: Problems with oil pans and plugs for Honda Odyssey

After its repaired, have the mechanic install a fumoto valve and then tell all future oil change mechanics that you have one and to not remove it. If any of them remove it anyway to drain the oil and strip the pan then you have a great argument for them paying for the repair.
by barnaclebob
Wed Apr 12, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 3357

Re: Legality of renters posting reviews of a condominium complex?

Sounds like the tenants are not your problem, the building or building management is. Go after the problem. Also only one of the positive reviews even looks legitimate.
by barnaclebob
Mon Apr 10, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Faux shutter replacements
Replies: 6
Views: 621

Re: Faux shutter replacements

If there are shutters made from a Hardie brand material or something similar that's what I'd be looking at.
by barnaclebob
Fri Apr 07, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Top tape measures
Replies: 30
Views: 1754

Re: Top tape measures

I have an ace hardware brand one that seems to be working very well. Nice and stiff and if it ever breaks i just have to bring it back for a new one. It is definitely worth paying a little extra for a good tape measure.
by barnaclebob
Wed Apr 05, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Good way to value a wedding dress for taxes?
Replies: 13
Views: 1145

Re: Good way to value a wedding dress for taxes?

unless you can find ebay completed sales for the same exact dress then I woulds stick with what turbotax says. The fact that you used the word "finally" probably means a lot about its value.
by barnaclebob
Wed Apr 05, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8218

Re: Buying expensive car, how to keep payments low?

Yes I don have $70,000 but I would rather keep it liquid instead of putting that into a depreciating asset. I plan on keeping the car longer so thought a longer loan should be ok. Either way you are paying for the depreciation. Trying to get better than 3% in the stock market is not a guarantee and...
by barnaclebob
Wed Apr 05, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8218

Re: Buying expensive car, how to keep payments low?

Usually when someone is concerned about the payment amount and not the total cost its a red flag that they are buying too expensive of a car due to cashflow limitations.
by barnaclebob
Wed Apr 05, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: What to do with wine cellar and hardware
Replies: 7
Views: 485

Re: What to do with wine cellar and hardware

Get on a wine forum and see if you can sell the stuff there. Or contact a contractor who installs this kind of stuff and see what they think. They might be willing to take it off your hands which would at least might get it reused instead of in a garbage dump.
by barnaclebob
Mon Apr 03, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Lending a scooter to a friend for 3 months
Replies: 19
Views: 1577

Re: Lending a scooter to a friend for 3 months

Call your insurance company and see what they say. If you arent charging your friend, there may not be any issue.

In any case the driver will need to be covered by some kind of insurance...
by barnaclebob
Fri Mar 31, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 52
Views: 5089

Re: Are people aware that Verizon email is being terminated?

I wasn't until this morning, and damn it, that email address is embedded in a lot of my life! This is a service cut, pure and simple, and they're doing it....because they can. Anyway, now you know. https://www.verizon.com/Support/Residential/email/migrations.htm The real suprise is that anyone care...
by barnaclebob
Thu Mar 30, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 4363

Re: Is the secret to getting wealthy...

I have acquaintances that think they can be the next Zuckerberg just by hard work and determination alone and its really sad because they don't factor in that there is a lot of luck involved with starting a company that grows to that size. You have to have the right idea and the right skills in the ...
by barnaclebob
Wed Mar 29, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: BEHR Premium Deckover
Replies: 12
Views: 960

Re: BEHR Premium Deckover

Never use a film forming product on a deck. None of them will last. I'm happy with a product called one time wood but will need a reapplication to horizontal surfaces this summer about 6 years after first application and 2 years overdue... They promise 7 years but every other product seems to need r...
by barnaclebob
Tue Mar 28, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 4742

Re: Daugther's Credit Card Windfall

Tell her and your wife to wise up and call discover because its best to end these headaches asap before any other complications are introduced. There probably won't be penalties but your daughter will be responsible for all of her charges. Also did you interchange debit and credit? Your daughter pai...
by barnaclebob
Tue Mar 28, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Salvaged Wood Furniture and Table
Replies: 36
Views: 2485

Re: Salvaged Wood Furniture and Table

My recommendation is to avoid it. I bought/had made a very beautiful dining room table with the top reclaimed - looks really cool. But over the last couple of years the wood split - which I guess is OK - since it is reclaimed - but it also has possibilities for splinters etc - and they hurt like a ...
by barnaclebob
Tue Mar 28, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Salvaged Wood Furniture and Table
Replies: 36
Views: 2485

Re: Salvaged Wood Furniture and Table

Ask about the construction details and what kind of joinery is used. I assume someone with a website is doing proper breadboard ends to the table top and mortise and tenon joints for the legs and apron (edit, just read the second paragraph of the description and he does have these construction eleme...
by barnaclebob
Mon Mar 27, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations in House Buying
Replies: 5
Views: 674

Re: Considerations in House Buying

Owning a home provides stability in your life if you don't want to be moving all the time. When you rent the landlord can raise your rent to the current market value when your lease is up and you may not be able to afford it and therefore have to move. When you buy a house as long as you can afford ...
by barnaclebob
Mon Mar 27, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Need advice about massive changes in daughter's college program by dean
Replies: 52
Views: 4035

Re: Need advice about massive changes in daughter's college program by dean

My oldest daughter is a sophomore in a Texas public university. The focus of the program is changing from a, for a lack of a better word, "practical" focus to a more "academic" approach - a metaphor would be that instead of teaching the students the practical skills of, say, eng...
by barnaclebob
Mon Mar 27, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7131

Re: Massive Student Loan Debt - Girlfriend

However, how did someone frugal and responsible take out $175,000 in loans for what should have been 1.5 years of grad school?!? The 175k may be undergrad too. My generation (barely a millennial) has been told since we could understand language to go to a good college with absolutely no regard to m...
by barnaclebob
Fri Mar 24, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2858

Re: Honda Transmission Service

My friend has been the service manager for a large busy Honda dealer for over 15 years (long Island NY) - over the first 3 years I worked there with him in service. Flushing - not a guaranteed problem but likely, don't use the correct fluid and yes you are very likely to have issues fairly soon. If...
by barnaclebob
Fri Mar 24, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2858

Re: Honda Transmission Service

I have an '05 Acura TL. That car has a common transmission failure at 75K miles. At 75K mine started slipping. Turns out Honda's Z1 fluid had too many friction modifiers (too slippery) which caused "smooth" shifts which is ultimately excessive grinding of the clutch plates. You'll notice ...
by barnaclebob
Fri Mar 24, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 45
Views: 2858

Re: Honda Transmission Service

A flush is not "guaranteed" problems and none of you have any data to support your claims. I've done a transmission flush on an old transmission with no problems. However I do my own work now and its drain and fills for me because of that now. I also have also used compatible Valvoline CVT...

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