Search found 2041 matches

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: 63
Views: 2428

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: 3026

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: 1219

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: 30
Views: 2091

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: 204
Views: 19173

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: 3026

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: 204
Views: 19173

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: 204
Views: 19173

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...
by barnaclebob
Thu Sep 21, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 204
Views: 19173

Re: I won the Lottery. Need sound advice.

As someone mentioned earlier, the "two chicks" quote was definitely a reference to Office Space. It sounds like some of you need to drop whatever you're doing and watch it. Probably not going to happen. Checking IMDB reveals "A comedy from Mike Judge, creator of "Beavis and Butt-head" and co-creato...
by barnaclebob
Thu Sep 21, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 204
Views: 19173

Re: I won the Lottery. Need sound advice.

As someone mentioned earlier, the "two chicks" quote was definitely a reference to Office Space. It sounds like some of you need to drop whatever you're doing and watch it. Probably not going to happen. Checking IMDB reveals "A comedy from Mike Judge, creator of "Beavis and Butt-head" and co-creato...
by barnaclebob
Wed Sep 20, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4182

Re: Uplifted Driveway = No Home Owners Policy ?!

stockfuturist wrote:
Wed Sep 20, 2017 2:26 pm
if insurers require this then they have a monopoly on reducing their risk by passing the cost on to home owners. They wouldn't even offer an alternative rate.
There is no monopoly. Go find another provider. Its understandable that you are upset for being inconvenienced but that's all it is.
by barnaclebob
Wed Sep 20, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Contractor paid by hour charging for crew's breaks?
Replies: 6
Views: 859

Re: Contractor paid by hour charging for crew's breaks?

Are they getting the work done in a timely manner and done to your satisfaction? If they are otherwise working hard and getting the job done to a high level of quality then I'd let it go for this job and make sure to address it before any future jobs.
by barnaclebob
Wed Sep 20, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: replace freon???
Replies: 17
Views: 1156

Re: replace freon???

You can buy a new, sealed 25lb jug of Freon on Ebay for $132. Then pay the HVAC pro an hour labor to install it. Installation is not a DIY effort. With a couple hundred dollars in tools it can be. I recharged the R-134a in my car with no issues using an borrowed vacuum pump and gages from autozone ...
by barnaclebob
Tue Sep 19, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 4271

Re: Grass trimmer

Buying a trimmer this week. Why do people not recommend buying from a big box store? Home Depot has Echo, which everyone here seems to like. Does Home Depot just charge you more than a lawn equipment store? Also, why straight shaft over curved? It all depends on how much quality you want, how much ...
by barnaclebob
Tue Sep 19, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4342

Re: Costco vs sams club vs neither.

Costco has generally high quality products, generally in bulk, and generally lower priced than elsewhere. Like anything if you buy more than you need its not really a deal. Their customer service in regards to returns is also top notch.
by barnaclebob
Tue Sep 19, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1350

Re: Time to buy a used VW Diesel?

Jack FFR1846 wrote:
Tue Sep 19, 2017 9:06 am
If I were buying a car right now, I wouldn't care all that much about what a 46 mpg diesel puts out compared to all the Kenworth and Mack trucks out there (not to mention all the John Deere tractors creating food for us).
This is poor logic.
by barnaclebob
Mon Sep 18, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 4733

Re: Getting (young) kids interested in coding

Minecraft. I know kids who got super into Minecraft as a game and then got into customizing it and that led to an interest in programming. Obviously more indirect and no guarantee of success, but might be worth a try. I would second this. You don't want shooter games. You don't want "educational" g...
by barnaclebob
Mon Sep 18, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4730

Re: USPS lost very important certified mail - What next?

Was this actual certified mail or just tracking services with a signature required? EDIT: Nevermind I was confusing registered and certified mail.

UPS probably wont reimburse the stop payment fee but is the $30 your bank will charge you for the stop payment worth further delay of this check.
by barnaclebob
Mon Sep 18, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3190

Re: How much do you spend on "entertainment"?

Are hobbies considered entertainment?
by barnaclebob
Mon Sep 18, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Refinishing a Basement - Contractor - Contracts
Replies: 15
Views: 768

Re: Refinishing a Basement - Contractor - Contracts

Seems like it doesn't really matter if you are the one buying the flooring because there is no real risk to you besides the inconvenience of having to find another contractor with a pallet of flooring sitting in the basement or garage. Some contractors can be flaky especially if they are busy. If he...
by barnaclebob
Mon Sep 18, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: My in-laws' nest egg of $50k
Replies: 34
Views: 4221

Re: My in-laws' nest egg of $50k

You are right and its essentially only an emergency fund. The riskiest I'd have that is no more than half of it in short term bond funds. TIPS would probably be better though so they don't lose buying power.
by barnaclebob
Mon Sep 18, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1280

Re: Super Nintendo Classic edition

Why not just buy an original SNES system? My NES is still hooked up and its more fun to play the original when if you stomp on the floor too hard it resets your game of tecmo bowl...
by barnaclebob
Fri Sep 15, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bond return negative. CD or money market alternative.
Replies: 30
Views: 3088

Re: Bond return negative. CD or money market alternative.

Total bond market is up 3.5% YTD from a total return perspective. What bond return are you talking about? http://quotes.morningstar.com/chart/fund/chart.action?t=VBTLX®ion=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A5%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowName%22%3...
by barnaclebob
Fri Sep 15, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Having mortgage during retirement. Max retirement saving now
Replies: 19
Views: 1719

Re: Having mortgage during retirement. Max retirement saving now

On the flip side, what if the mortgage interest isn't enough (combined with everything else) to move you out of the standard deduction? That did happen for me. I started off being able to take the deduction and then moved into the standard deduction. I've kept the mortgage anyway because the intere...
by barnaclebob
Fri Sep 15, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Having mortgage during retirement. Max retirement saving now
Replies: 19
Views: 1719

Re: Having mortgage during retirement. Max retirement saving now

On the flip side, what if the mortgage interest isn't enough (combined with everything else) to move you out of the standard deduction? That did happen for me. I started off being able to take the deduction and then moved into the standard deduction. I've kept the mortgage anyway because the intere...
by barnaclebob
Fri Sep 15, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1676

Re: Repair 2003 Honda Accord?

Given its good maintenance history and your desire to put another 100k on it I'd be inclined to do the repairs but probably not have an appetite for any more expensive repair trips. I'll assume the car also doesn't have much rust. My 2001 pathfinder is starting to show some exterior rust and has som...
by barnaclebob
Fri Sep 15, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 3825

Re: Advice Badly Needed---Meeting with Financial Advisor

Wow, hitting you up for contacts on your phone to "pay it forward" for his complementary sales pitch. Thats a new level of slimy sales right there.
by barnaclebob
Thu Sep 14, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1676

Re: Repair 2003 Honda Accord?

how old are the tires and fluids? Does it have a timing chain or belt and if its a belt when is that due? How current are you on other maintenance?
by barnaclebob
Thu Sep 14, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 2820

Re: Brother in College Co-Signing w/ Buddy for Duplex

If its a good deal and hes going to do it anyway, why not form a proper legal entity to do this if you want in? He may have the best of intentions now but people change when things go south. FYI financial advisors are frequently very good friends with their clients.
by barnaclebob
Thu Sep 14, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4852

Re: Turned down for umbrella insurance

State Farm asks practically no questions when you buy umbrella insurance, and their policies are really cheap in my neck of the woods (at least if you don't have teenage children just learning to drive). They may require you to switch your HO and auto to them however. So you'll be shopping the whol...
by barnaclebob
Wed Sep 13, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Home Project - Front door, porch and walkway
Replies: 11
Views: 1050

Re: Home Project - Front door, porch and walkway

I'd split it up. Is re grouting something you can do yourself?
by barnaclebob
Wed Sep 13, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 2820

Re: Brother in College Co-Signing w/ Buddy for Duplex

clarkrl wrote:
Tue Sep 12, 2017 6:01 pm
He wants to partner with me because he wants to partner with a lot of recently married reps that sell under him and only pay 5% down for owner occupied payment. Otherwise he'd have to pay 20% down.
Sorry but you are a pawn in this scheme.
by barnaclebob
Tue Sep 12, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2407

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

Why not Pi, e, or any other irrational number? off the top of my head, those irrational numbers aren't found as often in life. Our physical body is proportional to .618, even our own logo, sunflower seeds on the flower (all flower pedals actually), Parthenon, if you divide the number of female bees...
by barnaclebob
Tue Sep 12, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2407

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

Why not Pi, e, or any other irrational number?
by barnaclebob
Tue Sep 12, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 57
Views: 4257

Re: What money to store outside for disaster?

Vacuum bag the money.
by barnaclebob
Tue Sep 12, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17360

Re: Is it really Worth it to brown bag your lunch at work?

The only healthy way to eat out around here is to get a 6" sub at the cafeteria or the garbage dump known as subway. Otherwise at most local restaurants you'd have to immediately throw half of your order in the trash then eat the rest to stay below 600-700 calories.
by barnaclebob
Mon Sep 11, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1039991

Re: U.S. stocks in freefall

thangngo wrote:
Mon Sep 11, 2017 10:55 am
I opened the marketwatch and all major indice are up more than 1%? What is happening? :D :mrgreen:

Selling opportunity?
Turns out that you shouldn't hype up a hurricane when its over a week out.
by barnaclebob
Mon Sep 11, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4063

Re: What do you do in slow travels?

Find a hobby that travels with you. Fishing, skiing, hiking, painting, scuba diving, etc Its hard to "live like a local" when the locals work all day but you don't. The best vacations I've had are when I'm traveling for an activity and experiencing the different culture and food that way vs just che...
by barnaclebob
Fri Sep 08, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Take car to dealer before warranty expires?
Replies: 10
Views: 1097

Re: Take car to dealer before warranty expires?

There isn't anything your dealer will check that another mechanic cant check as well. Don't waste the money. At 36k, there is very little that could be wrong with your car that wouldn't already be identified on the mazda forums.
by barnaclebob
Fri Sep 08, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23422

Re: Name something you had to have and now you regret purchasing it?

You know that's a really good idea, Bob! I've avoided purchasing one out of fear that it will become one of those gadgets one regrets buying. If you have a model worth recommending I'd appreciate it. I would love to put an end to my days as one of those crazy old ladies who washes and reuses Zip-Lo...
by barnaclebob
Thu Sep 07, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3186

Re: Keep or let go of my car?

They aren't called stealerships for nothing. $900 for front brakes and $250 for an alignment is about 4x what it should cost.

Also there is no such thing as a dream forever car unless an $8k maintenance bill doesn't make you flinch or you DIY just about everything.
by barnaclebob
Thu Sep 07, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23422

Re: Name something you had to have and now you regret purchasing it?

FWIW United airlines refunded an unused portion of our tickets back from Hong Kong when they cancelled our flight due to a Typhoon. They had issued a special statement that waived any of the non refundable and change fee rules. We ended up taking a flight that had a stop much closer to the typhoon ...
by barnaclebob
Thu Sep 07, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23422

Re: Name something you had to have and now you regret purchasing it?

Airline tickets to Miami so I could go diving in the Keys from Friday - Wednesday. The car rental and the hotel both refunded my money with no hassle but the airlines are insisting on a $200 penalty for each way. Neither direction cost $200. Similar thing happened to me. It may be about 12 yrs ago,...
by barnaclebob
Thu Sep 07, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23422

Re: Name something you had to have and now you regret purchasing it?

For my first canning attempt I cold-canned cucumber slices. It was a disaster. Ended up with 30-some jars of inedible green stuff. They sure looked pretty though and for a while I used them as decorations. :D In the end I decided to walk away. The jars went fast on the local FreeCycle. Other implem...
by barnaclebob
Thu Sep 07, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 27
Views: 1619

Re: Seattle in 3 days

Great post. Thanks. Any recommendation for salmon dinner? Reading about Elliot's, Ivars?? Hard to find in S. Maine. Have no idea until I check out yelp. Rays boathouse is way better than these two but maybe a little pricier. Palisades is also very good but they overcooked my wifes scallops. The sca...
by barnaclebob
Wed Sep 06, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5629

Re: Wife believes 7+% returns from stock market are guaranteed

Usually by the time one has enough money to pay off their house or buy another one in cash they will also have enough savings where using a mortgage as leverage isn't necessary. Remember that your asset allocation should be based on your need and ability to take risk
by barnaclebob
Wed Sep 06, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23422

Re: Name something you had to have and now you regret purchasing it?

Various garden tilling tools. Nothing works better than a hoe for our garden. A claw/weasel might work but then i risk having 3 useless tilling tools. Try using a spading fork to dig your garden area. I fertilize, dig it in with the spading fork and them level the soil using the back of a rake. Wor...
by barnaclebob
Tue Sep 05, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23422

Re: Name something you had to have and now you regret purchasing it?

Various garden tilling tools. Nothing works better than a hoe for our garden. A claw/weasel might work but then i risk having 3 useless tilling tools.
by barnaclebob
Tue Sep 05, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: How to cut Garden Trellis?
Replies: 24
Views: 1306

Re: How to cut Garden Trellis?

Sawzall with a bi-metal blade is your best option. I was amazed at how easily mine cut through 1/4" thick angle iron. This is one tool where its not a bad idea to get one from a thrift shop because they aren't needed for fine or accurate work and are simple machines.
by barnaclebob
Fri Sep 01, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Facing a setback
Replies: 19
Views: 2063

Re: Facing a setback

What kind of car is it? Some oil pans can be easy to change yourself and can be done with minimal tools in a couple hours time. If you just cant do DIY ask if the pan can be welded or repaired instead of replaced and if he can show you the leak or take pictures to show you if you aren't allowed in t...