Search found 2083 matches

by barnaclebob
Wed Oct 18, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Roth IRA accounts for the backdoor and the mega backdoor?
Replies: 7
Views: 351

Re: Separate Roth IRA accounts for the backdoor and the mega backdoor?

No reason for two separate accounts, once the money is in the roth its all the same.
by barnaclebob
Wed Oct 18, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 20
Views: 1011

Re: Brick Chimney Issues

Well if it is full brick would the best thing to do to be to remove the brick and put up a brick or other facade?
by barnaclebob
Wed Oct 18, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 31
Views: 1540

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

There are international camping stoves that run on a myriad of fuel such as this one: https://www.msrgear.com/stoves/whisperlite-international-2012 This stove has a learning curve to operate, if you do it wrong you can spill fluid and cause an uncontrolled fire. This does not mean the stove is dange...
by barnaclebob
Wed Oct 18, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: First and maybe last option trade
Replies: 4
Views: 471

Re: First and maybe last option trade

Well how'd you do?
by barnaclebob
Wed Oct 18, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 852

Re: Recommendations on quartz countertops

Really vet your fabricator and if possible find one that does digital layouts so you can see exactly how the veins will line up after your slab is cut. If your fabricator doesn't do digital layouts and you have any kind of veining insist on seeing how the templates will be laid out on your actual sl...
by barnaclebob
Tue Oct 17, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 28
Views: 2132

Re: Grandparents want to give to grandkids

I wouldn't worry about it too much. If your kid turns out to be impulsive or irresponsible just don't tell them that they have control of the account until they start doing their own taxes.
by barnaclebob
Tue Oct 17, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 50
Views: 3916

Re: Best way to make some dollars on a 10 day vacation?

sign up for medical or psych experiments?
by barnaclebob
Mon Oct 16, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3031

Re: Bonus pushed back - should I be annoyed?

Unionize, quit, or shut up.
by barnaclebob
Mon Oct 16, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 50
Views: 4414

Re: Trash dumped on curb (need advice)

Nate79 wrote:
Mon Oct 16, 2017 9:45 am
Post an add on Craigslist for free stuff. It will be gone fast.
This is the best idea.
by barnaclebob
Mon Oct 16, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3722

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

Just fake that you can't hear them and say you have full signal so it must be their connection.
by barnaclebob
Sat Oct 14, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5245

Re: What do you buy in Asian food stores?

The normal produce in the H marts around here is extermely cheap relative to normal grocery stores. 69 cents per pound for fuji apples vs double or tripe that of our normal grocery store. The asian grocery store has some fish that isn't available elswhere. They also had a massive lobster but when I ...
by barnaclebob
Fri Oct 13, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1564

Re: Anyone Ever Jackhammered a Concrete Patio?

For $6k I'd definitely look into DIY. My brother rented a jack hammer to replace a section of pipe under his basement. After getting through to dirt/gravel he said it wasn't very hard to break up the concrete where he wanted to. You wouldn't have the issue of getting through to dirt because you can ...
by barnaclebob
Fri Oct 13, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Itemized Tax Deductions
Replies: 10
Views: 561

Re: Itemized Tax Deductions

Anyone with deductions roughly similar to the standard deduction should be looking at bunching strategies. For example, do all of your charitable donations in odd numbered years. Or mega-bunch your donations by setting up a donor advised fund. See if you can bunch up your property tax payments, etc...
by barnaclebob
Fri Oct 13, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1203

Re: Building additional garage - recommendations?

This is useful for anyone: Make sure the doorknob to inside the house or other garage is a lever and not a knob so you can bump it open with a box. My life is easier after I noticed my brothers house had a lever and I switched. A 240v outlet or two is also nice if you plan on doing any woodworking o...
by barnaclebob
Thu Oct 12, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1841

Re: Selling Tradelines

I don't need an extra $1000 that badly.
by barnaclebob
Wed Oct 11, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7433

Re: Do you want your receipt?

Seems that a lot of you collect receipts for a security blanket. No one will commit small dollar credit card fraud at a starbucks, just about any cc fraud is very easy to recognize on a statement unless you make so many $100+ purchases at best buy or walmart that you can't recognize a fake one. You ...
by barnaclebob
Wed Oct 11, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3646

Re: Pro and cons of the Prime offer by Amazon.......

Type "amazon prime" in the search box and hit enter.
by barnaclebob
Wed Oct 11, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2276

Re: Best weight loss resources?

Still Counting Calories? Your Weight-Loss Plan May Be Outdated Harvard Study http://www.nytimes.com/2011/07/19/health/19brody.html This is an article about an observational study with a misleading headline. Nowhere does it say that counting calories doesn't work. Also the main point was that people...
by barnaclebob
Tue Oct 10, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2276

Re: Best weight loss resources?

I dont think I disagree really. But I would note that a normal overweight person who simply focuses on low caloric intake, but still eats starches and sugars and potatoes, will be creating enough extra insulin to keep them always hungry. It is just not a formula for success, unless you can stay in ...
by barnaclebob
Tue Oct 10, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2276

Re: Best weight loss resources?

On the problem with the "calories in/calories out" argument, I would suggest Gary Taubes' What Makes us Fat. It is eye opening and uses the actual science and real life examples to prove the fallacy. From Amazon summary: Taubes reveals the bad nutritional science of the last century—none more damag...
by barnaclebob
Tue Oct 10, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2276

Re: Best weight loss resources?

http://www.reddit.com/r/loseit http://www.reddit.com/r/1200isplenty (for recipes, not necessarily that 1200 calories should be your limit) myfitnesspal for tracking calories Calories in/calories out is a physical law. Period. Anything else is just presenting this in a different way, confusing diffe...
by barnaclebob
Tue Oct 10, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Care by Volvo
Replies: 14
Views: 1230

Re: Care by Volvo

Don't buy cars like VW's and you will be a lot less likely to go into the dealer or mechanic for repairs in the first place. And when you do have to go in it won't be so expensive.
by barnaclebob
Tue Oct 10, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 1987

Re: Moving Stroke Victim Out of State

mouses wrote:
Tue Oct 10, 2017 8:45 am
I would never voluntarily get rid of a landline, because it is often the only electronic form of communication working in disasters.
I wonder if most landlines in modern homes are VOIP these days. If so you are SOL like the rest of us when the power goes out.
by barnaclebob
Fri Oct 06, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth questions and is it worth it?
Replies: 9
Views: 653

Re: Mega Backdoor Roth questions and is it worth it?

One option is to just do the after tax withdrawal every few years. You'll pay a little more in taxes because there will theoretically be more gains but it would reduce the fees.
by barnaclebob
Fri Oct 06, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3787

Re: How do you value your time?

The value of your time outside of work depends on how much you enjoy the activity you are doing. Sitting in traffic for an hour to save $30. Heck no. Spending an hour changing my oil, rotating tires, topping off fluids in my car to save $30 (synthetic oil). Absolutely. I also factor the time involve...
by barnaclebob
Fri Oct 06, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Custodian dragging their feet with transfer
Replies: 10
Views: 721

Re: Custodian dragging their feet with transfer

Start looking into the rules they have to follow and who you can report them to for not following those rules. Don't report them or anything yet, just gain some knowledge.
by barnaclebob
Thu Oct 05, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 3967

Re: Trying to convince my sister not to use a financial advisor

You can't help those that don't want to help themselves. If the illustration showing how this 1.4% will cost her 30+% of her total money by the time she turns 70 then nothing will convince her to want to help herself. Also people are very afraid of turning away from deals at the very last second. Th...
by barnaclebob
Wed Oct 04, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1652

Re: Steep Uneven Floor in an Old House

I also agree with those that say a fast collapse is not likely without some major warnings. Think about all of the old abandoned barns and farm houses (or regular houses if you live in detroit...) you see that are sagging and clearly not safe but still standing. In any case, the slope you describe i...
by barnaclebob
Wed Oct 04, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: to good to be true? [Investing in Real Estate Company]
Replies: 27
Views: 2127

Re: to good to be true?

Its probably not an outright scam but it for sure is an extremely risky investment without the proper reward for such risk. However outright scams usually start out with good intentions but turn into scams when the money starts to run out.
by barnaclebob
Mon Oct 02, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Countertop refinishing
Replies: 7
Views: 1068

Re: Countertop refinishing

What is the cost of it compared to laminate counter tops? I certainly wouldn't consider it comparable to any kind of natural or engineered stone.
by barnaclebob
Mon Oct 02, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Go to cash now or in late December when i need the cash
Replies: 28
Views: 1922

Re: Go to cash now or in late December when i need the cash

What are the consequences if you wait until you need it but there is a 50% drop in the market before then? Is this $7-10k from a $1million account or a $20k account?
by barnaclebob
Sat Sep 30, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3971

Re: I bought a car without thinking too much about value

Check to see if you can get your money back on the warranty. Trust the warranty terms, not the dealer.
by barnaclebob
Fri Sep 29, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Why is this person wrong? Says beating the market is easy.
Replies: 30
Views: 2957

Re: Why is this person wrong? Says beating the market is easy.

Pro tip: Don't worry about what people on Reddit say who claim to have a way to be rich easily.
by barnaclebob
Thu Sep 28, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: I am in the investment advice industry and I'm not sure if I provide any value
Replies: 67
Views: 6401

Re: I am in the investment advice industry and I'm not sure if I provide any value

For people that never developed the right neural connections to control their spending, savings, and urge to gamble in the latest hot stocks, your fees are worth every penny.
by barnaclebob
Thu Sep 28, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6418

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

All backtested strategies work...for the period that they were tested
by barnaclebob
Thu Sep 28, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4462

Re: $700 to install a dishwasher seem by a plumber?!

mouses wrote:
Thu Sep 28, 2017 12:26 am
...competent Lowe's employees...
lol
by barnaclebob
Thu Sep 28, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1373

Re: Good camping sleeping pad

Cots will destroy the floors of tents. I love my 1st gen neoair but it has developed a slow leak and needs replacement if i cant find it, my wifes is doing fine.
by barnaclebob
Wed Sep 27, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4462

Re: $700 to install a dishwasher seem by a plumber?!

If it's a simple installation, likely replacing an existing appliance, I've seen the delivery person install it for free. So it isn't just free delivery, but also installation. Try Home Depot and Lowe's. Or does the $700 also include the price of the dishwasher? $700 is for labor only. Since it inv...
by barnaclebob
Wed Sep 27, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4462

Re: $700 to install a dishwasher seem by a plumber?!

Well if some water line breaks during their install, they will know and fine me out the wazoo! Not interested in doing it myself. Then be held hostage by contractors. No water line will break and its an easy job, just slightly harder than hooking up a garden hose. If it breaks in the future, blame ...
by barnaclebob
Wed Sep 27, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Meaningful wedding gift?
Replies: 20
Views: 1584

Re: Meaningful wedding gift?

The best gifts I receive now are restaurant gift certs for more than what I would normally spend for a single meal so that I can splurge. AirBNB gift certs are nice too so that I can splurge more on my vacation or trip. But without knowing them more and what their hobbies are its hard to say what wo...
by barnaclebob
Wed Sep 27, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1716

Re: I have an idea I want to bring to market

Sounds like if you want to actually make money instead of them just taking your idea as "customer feedback" then you'll want a patent.
by barnaclebob
Tue Sep 26, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7369

Re: Alternative to Google Finance?

Just saw this too. They always manage to take away some of the features I use most. I didn't actually track my portfolio there but just had the ETF equivalents of my mutual funds for a quick way to check on the daily performance. I assume they'll still have a way to be able to input ticker symbols a...
by barnaclebob
Mon Sep 25, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4105

Re: Do you avoid risky adventures once you have the money?

Be careful when climbing cliffs without a rope where you have to go down the same way you came up, getting down is usually about twice as difficult.
by barnaclebob
Fri Sep 22, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3285

Re: Gaps in new hardwood flooring

Am I correct these floors are not pre-finished, but will be sanded and some finish coat applied? If so, the "gaps" will likely become less noticeable, but a credit card should not fit in the gap. If anything I'd think they'd become more noticeable because the good seams will seem tighter. The pictu...
by barnaclebob
Fri Sep 22, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1294

Re: where to put $60,000 for three months...

Don't make this complicated, by putting it in short term bonds you are getting maybe another $100, $200 if you are lucky right?

Like another poster said, its best to not move money around a lot prior to buying a house because the banks will want to see a paper trail of your statements.
by barnaclebob
Fri Sep 22, 2017 8:48 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6141

Re: Which is better a Cryptocurrency or Gold?

Let me ask my son who mined Bitcoin in the very, very early days, then forgot his wallet password what an investment it was. He's doing far better selling his old Legos, yu-gi-oh! cards (including ALL of the Egyptian God cards) and Magic the Gathering cards for big money. Meanwhile I'm selling Brio...
by barnaclebob
Fri Sep 22, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24037

Re: I won the Lottery. Need sound advice.

On that note, I hope I prove you wrong and I wish you the best. I don't need you to wish me "luck". I won the lottery, remember? I like this guy. OP, I'd quit egging people on at this point or this thread might get closed. You've gotten all of the advice you need at this point until you are ready t...
by barnaclebob
Fri Sep 22, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3285

Re: Gaps in new hardwood flooring

What does "incorrectly milled" mean? Can you post pictures or take measurements from one end to the other? The boards should at least have parallel sides. Its normal for some gaps to form and close up as the seasons progress but that may not be the issue here. Do you trust the installers judgement o...
by barnaclebob
Thu Sep 21, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24037

Re: I won the Lottery. Need sound advice.

Thanks for coming back and I'm glad you weren't scared off by this bastion of fiscal conservatism. If anyone ever hits you up for $ you can half honestly tell them that it went to paying off debt and you don't have much cash to hand out. (because it should mostly be invested) If you get rid of the d...
by barnaclebob
Thu Sep 21, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24037

Re: I won the Lottery. Need sound advice.

Your reaction to this money should be a sigh of relief that you have been given a get out of jail free card, not thinking about early retirement and all of the life upgrades you can make because you've already done that with the debt. The life changing part of the money is that if you screw it up ag...