Search found 1727 matches

by barnaclebob
Fri Mar 24, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 41
Views: 1980

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: 41
Views: 1980

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: 41
Views: 1980

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...
by barnaclebob
Fri Mar 24, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: So why exactly is everyone gloomy about bonds?
Replies: 33
Views: 3277

Re: So why exactly is everyone gloomy about bonds?

people think they can predict what the government will do with interest rates better than they think they can predict the stock market. Also it makes for a good sound clip to say "we all know interest rates will go up and that means bonds wont do well in the future". I've been hearing Juli...
by barnaclebob
Thu Mar 23, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Small appliance electrical safety
Replies: 37
Views: 1288

Re: Small appliance electrical safety

If your house is built to any fairly recent code it should be safe to plug whatever you want into the outlets. If you draw too much current the breaker will trip before anything dangerous happens. I pop the breakers in my garage all the time using power tools.
by barnaclebob
Thu Mar 23, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 2101

Re: Kitchen island

In that case i'd mock it up with cardboard and tape to see how moving around the larger island works. You may not mind the tighter space very much. Be sure to get stools that will slide completely under the overhang.
by barnaclebob
Thu Mar 23, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2586

Re: Why did my fund GO UP so much?

That an interesting way for a divide by zero error to be displayed. Maybe they just had a reverse dividend and debited your account for that much.
by barnaclebob
Thu Mar 23, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: help starting fresh from years of financial disaster
Replies: 29
Views: 3712

Re: help starting fresh from years of financial disaster

You need new tires. ASAP. 4 bits of rubber between you and not stopping. A blow out will literally kill you or someone else-- add that to your conscience. Whoa, so every tire chunk I see alongside the freeway has literally killed someone?! :wink: I agree with you and others that OP should get new t...
by barnaclebob
Thu Mar 23, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 2101

Re: Kitchen island

How about a reverse "G" shaped layout by turning the island into a peninsula? That way there is still something to gather around and you will have a ton of room to work instead of forcing in an island. Have you put this same post up on the houzz forums? They are the bogleheads of kitchens.
by barnaclebob
Wed Mar 22, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4433

Re: Very Sad - Loss of Backdoor Roth IRA all these years

Don't be too sad about it. Presumably you didn't spend the money you would have put into a Roth so the loss is a little bit of tax efficiency for you or your heirs.
by barnaclebob
Wed Mar 22, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Short visit to Hong Kong - "must do/see"?
Replies: 16
Views: 1126

Re: Short visit to Hong Kong - "must do/see"?

Do not go to the big red boat restaurant. 100% ripoff. All of the markets are great and be sure to get some suckling pig and goose while you are there.
by barnaclebob
Tue Mar 21, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 27
Views: 4036

Re: Inlaw Suddenly Wants Financial Security in 60's..

Don't expect a call to vanguard to make anyone feel good. I don't get the impression that they take care of anyone's emotional needs but just set you up with a basic but great portfolio.
by barnaclebob
Tue Mar 21, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 27
Views: 4036

Re: Inlaw Suddenly Wants Financial Security in 60's..

I think if you talk with someone who has already talked to a salesman the best thing to do is say things like. "I bet he made you feel really comfortable, was a really nice person, told you that you were making the right decision etc... Did he ONLY want to charge you 1% a year, that sounds real...
by barnaclebob
Mon Mar 20, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 4468

Re: My son wants to move to Hong Kong

Sounds like he doesn't have much to lose by doing this, be happy for him. The legal visa requirements are probably the biggest issue to research. Not sure what moral issues there could be unless he has some kind of obligations here. Your son doesn't sound like a good scam target and usually those re...
by barnaclebob
Mon Mar 20, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 4513

Re: Any downside in buying a brand new house ?

One problem I see people have with new houses is that the builder will install something poorly but that's covered by the warranty. The true fix to the problem may very expensive so the builder will just do temporary fixes until the warranty runs out, the homeowner gives up, or lawyers up. New house...
by barnaclebob
Fri Mar 17, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvested my dividends - what now?
Replies: 19
Views: 1680

Re: Vanguard reinvested my dividends - what now?

You could always sell the lot that contained the dividends and it would be the same effect aside from taxes due to gains/losses since that date.
by barnaclebob
Fri Mar 17, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 3799

Re: Help with rebuttal to a Facebook post

If you told me I had to buy an non Vanguard actively managed fund and I didn't have to pay the loads then I would probably consider American Funds because they are now so big that they are closet index funds. Survivorship bias is certainly real and I have witnessed it first hand with a John Hancock ...
by barnaclebob
Fri Mar 17, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 2235

Re: Vegetable Gardening - seeds vs seedlings?

cucumbers can be trellised easily, just lift them up and sling them over the rungs as they grow. Zucchini...one zucchini plant is enough for a family of 4 and I don't trellis ours. Just let it grow out into the yard if need be. Same with the vine vegetables. Also with zucchini, don't leave them on t...
by barnaclebob
Thu Mar 16, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 100
Views: 5022

Re: Suspicious organic products

I would read more about how organic food isn't any better for you and focus on a good diet in general.
by barnaclebob
Thu Mar 16, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 2235

Re: Vegetable Gardening - seeds vs seedlings?

I agree with the poster above me. Im in the PNW and have had a lot of trouble with getting good brassica's. 4x4 is not enough space for strawberries unless you want a handful of berries a week for the month of June. At any given time about half to 1/3 of the bed wont be producing. Strawberries shoul...
by barnaclebob
Wed Mar 15, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9523

Re: $464.12 dinner bill last night. No regrets.

$464 for dinner for 4 actually sounds very reasonable at a 'very nice' restaurant. Apparently you have better restaurant deals by you ;) We are in the Midwest 'burbs. :wink: Yep steakhouses are relatively cheap in the Midwest for the same quality you get out here. Of course it's the same quality. W...
by barnaclebob
Wed Mar 15, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth: Those few cents that accumulate in your MM settlement funds
Replies: 9
Views: 784

Re: Backdoor Roth: Those few cents that accumulate in your MM settlement funds

You should convert the full value of the TIRA when doing a roth conversion.
by barnaclebob
Wed Mar 15, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9523

Re: $464.12 dinner bill last night. No regrets.

$464 for dinner for 4 actually sounds very reasonable at a 'very nice' restaurant. Apparently you have better restaurant deals by you ;) We are in the Midwest 'burbs. :wink: Yep steakhouses are relatively cheap in the Midwest for the same quality you get out here. In the Seattle area a good steak f...
by barnaclebob
Wed Mar 15, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 2746

Re: Where do you save for large purchases?

The main reason reason that bonds are "not good" for taxable accounts is because interest rates used to be much higher than stock dividends. For medium term savings the now slightly less tax efficient bond funds wont make much of a difference and if you end up with more money in the long r...
by barnaclebob
Wed Mar 15, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4817

Re: What to do with $100???

Whatever you do, don't buy a penny stock. It would be better for the economy to just drop a 5 $20's while walking in a crowd.
by barnaclebob
Tue Mar 14, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Finishing Touches
Replies: 2
Views: 271

Re: Finishing Touches

Looks fine to me. ETF's vs mutual funds is just personal preference unless there are trading fees which there probably aren't for in house ETF's.
by barnaclebob
Tue Mar 14, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Can collectors hold on reporting to the 3 bureaus?!
Replies: 7
Views: 410

Re: Can collectors hold on reporting to the 3 bureaus?!

Why not advise your friend to check their credit report to see for themselves.
by barnaclebob
Tue Mar 14, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4701

Re: Issue With Contractor. What to do?

Update: He said he thought I knew and since I have kids he thought it was "common sense to look up" What does that even mean? Who would willingly have rooms in their house disconnected from the HVAC system? Common sense is to keep all house systems in working order after a job is completed.
by barnaclebob
Tue Mar 14, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Laminate flooring that looks like hardwood
Replies: 25
Views: 1402

Re: Laminate flooring that looks like hardwood

Anyone who has owned real hardwood will be able to tell when a floor is not real hardwood but the engineered stuff can still look good for the most part. After buying a house with real hardwood and seeing multiple houses with engineered wood it will be difficult to buy anything but real. But then ag...
by barnaclebob
Mon Mar 13, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Walkie-Talkie for 8-9 year old kids
Replies: 13
Views: 696

Re: Walkie-Talkie for 8-9 year old kids

Are you looking for essentially a step up from the cheap toy ones? If so then these would probably be fine: https://www.amazon.com/Motorola-MH230R- ... ie+talkies
by barnaclebob
Mon Mar 13, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Norman Rockwell Plates.....who to go to
Replies: 33
Views: 2428

Re: Norman Rockwell Plates.....who to go to

The general rule is that if something is sold as a collectible, it never will be.
by barnaclebob
Mon Mar 13, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 217
Views: 16268

Re: gratuitous homeownership items

FedGuy wrote:I'm still afraid to use the counters.


Afraid to use the counter tops or afraid of what people will think of your stained counter tops? Just use them and if they get too bad, get new counter tops. Its dumb to be trapped with a kitchen you don't want to use.
by barnaclebob
Fri Mar 10, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6507

Re: 28yo, New Millionaire, Advice on Wealth Management

I'd suggest getting comfortable managing your money because nobody cares about it more than you. Its understandable to be scared but aside from estate issues and maybe some tax planning, managing 5mm isn't much different from 1mm and managing 1mm isn't much different from managing 100k. I would talk...
by barnaclebob
Fri Mar 10, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 1968

Re: wife in car accident - next steps?

Well, when they value the car, what data are they looking at? Do they just look at previous sales for that car with similar mileage? They don't know what shape it was in before the accident (it was in good shape with no defects or anything) which makes it hard to compare our vehicle to other Kia Fo...
by barnaclebob
Fri Mar 10, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor IRA
Replies: 5
Views: 452

Re: Backdoor IRA

I hope you didn't use the word "backdoor". Practically nobody outside of this forum knows what that means. What you are looking to do is to make a non deductible traditional IRA contribution and then convert that to a roth IRA. Make sure you meet all of the requirements to make a non deduc...
by barnaclebob
Thu Mar 09, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Take out loan on vehicle to invest?
Replies: 53
Views: 2441

Re: Take out loan on vehicle to invest?

Its just a difference in mental accounting. You can either play favorites in your head on what deductions get a "discount" or pro rate the total "discount" across everything. For example the original person I responded to could say that his property tax is discounted 28% due to ...
by barnaclebob
Thu Mar 09, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: How to help mother in law (doesn't listen; suffers)
Replies: 10
Views: 1786

Re: How to help mother in law (doesn't listen; suffers)

How is your wife involved? Can she think about getting any power of attorney so that she and you can handle some of her affairs? That might reduce stress on everyone. My wife doesn't really know what to do. That is something to think about thank you! It doesn't have to be your wife. If MIL will app...
by barnaclebob
Thu Mar 09, 2017 5:13 pm
Forum: Forum Issues and Administration
Topic: What would happen if a hacker got a full database dump of the site?
Replies: 29
Views: 2448

Re: What would happen if a hacker got a full database dump of the site?

They would become a very financially savvy hacker and see that the life of crime is not likely a good long term solution because they just need to get caught once.
by barnaclebob
Thu Mar 09, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Take out loan on vehicle to invest?
Replies: 53
Views: 2441

Re: Take out loan on vehicle to invest?

Ether way it doesn't matter what order you count your itemized deductions in. For a true accounting of the effect you would need to proportion the standard deduction against all of your itemized deductions to get the true discount. If the standard deduction is say 10k but you have 50k in itemized d...
by barnaclebob
Thu Mar 09, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Take out loan on vehicle to invest?
Replies: 53
Views: 2441

Re: Take out loan on vehicle to invest?

Ether way it doesn't matter what order you count your itemized deductions in. For a true accounting of the effect you would need to proportion the standard deduction against all of your itemized deductions to get the true discount. If the standard deduction is say 10k but you have 50k in itemized d...
by barnaclebob
Thu Mar 09, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Take out loan on vehicle to invest?
Replies: 53
Views: 2441

Re: Take out loan on vehicle to invest?

I have enough in state taxes and charitable contributions that I itemized deductions even before buying a home, and property tax makes that even larger. Likewise, I itemize every year in MD, which has a $2000 standard deduction. (I don't subtract MD state tax from my effective interest rate because...
by barnaclebob
Thu Mar 09, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: How to help mother in law (doesn't listen; suffers)
Replies: 10
Views: 1786

Re: How to help mother in law (doesn't listen; suffers)

How is your wife involved? Can she think about getting any power of attorney so that she and you can handle some of her affairs? That might reduce stress on everyone.
by barnaclebob
Wed Mar 08, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 5202

Re: 2017 Honda Civic not recommended by Consumer reports

Hello Looking at getting my wife a new car. One option we like is the civic hatchback but consumer Reports rates its predicted reliability at "much worse" and does not give it the "Recommended" label. This goes against my expectation of civics being vehicle that will go for 2000...
by barnaclebob
Wed Mar 08, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 2608

Re: Help! Need to refund money in PayPal from Nigeria

hmm. If its in your paypal account and you withdraw it and wait until the money actually hits your bank account then the worst that will happen is that the guy says he didn't get it and opens a dispute with paypal. I'm not sure what paypal can do to you though but it likely wont be in your favor. Ho...
by barnaclebob
Wed Mar 08, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Car dilemma?
Replies: 25
Views: 1601

Re: Car dilemma?

Keep your current car.
by barnaclebob
Wed Mar 08, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4554

Re: Where to buy rare steaks?

don't buy anything that's been frozen or individually vacuum packed. both processes kill the texture. This is absolutely false. I don't think anyone can reliably tell the difference between properly frozen and vacuum bagged meat and seafood when the quality of the products is similar. Frozen seafoo...
by barnaclebob
Wed Mar 08, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't understand Mega-Backdoor
Replies: 47
Views: 4113

Re: Vanguard doesn't understand Mega-Backdoor

Learn to speak "vanguard". The less you tell them the better. Just ask "I want to rollover after tax money and its gains in my 401k to a roth IRA. How do I do that". It doesnt matter why you want to do it or anything else or that it was over the 18k pretax limit..
by barnaclebob
Wed Mar 08, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2138

Re: Safest way to encrypt pdf tax documents to send via email?

Personally I wouldn't worry about it but ask the accountant what he recommends.
by barnaclebob
Wed Mar 08, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 4554

Re: Where to buy rare steaks?

I was surprised to read that Costco blade tenderizes their beef.... so I had to look it up. It appear like at least some of their beef is tenderized, and they say it is labeled as such. I buy about 50% - 75% of my steak from Costco (prime rib-eyes lately - $$). The warning is in small, unobtrusive ...
by barnaclebob
Wed Mar 08, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 6906

Re: How much do you spend on food in a year?

I'm single and in decent shape (daily exercise routine), and I spent just north of $2,000 on groceries last year with about $600 eating out in a MCOL city. The groceries number includes stuff like toiletries as well. I'm in awe of some of these numbers. I'm a big fan of making huge meals and freezi...

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