Search found 2397 matches

by barnaclebob
Mon Feb 19, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 44
Views: 4311

Re: $12,000 Refrigerator? [Looking in $7k price range]

But I saw a Viking refrigerator for $12,000. Some of their other appliances are even higher......OK, it keeps the food cold, frozen when desired....what is this poor half indexer/half active/half stock/half bond Bogehead missing? Depending on the fees of those active funds and your total balance yo...
by barnaclebob
Mon Feb 19, 2018 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing while in accumulation phase
Replies: 12
Views: 775

Re: Mechanics of rebalancing while in accumulation phase

Sounds like your taxable method has been my tax-deferred method, but I’m just wanting to make it somewhat more programmatic in the future to guard against ‘chasing returns’. I know from myself that I don’t get scared during downturns, but I am succeptible to the ‘chasing returns’ temptation, so I t...
by barnaclebob
Mon Feb 19, 2018 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing while in accumulation phase
Replies: 12
Views: 775

Re: Mechanics of rebalancing while in accumulation phase

My 401k is set to automatically rebalance each quarter. Roth's are in a target fund that rebalances automatically. For taxable I just contribute to whatever is under weighted. For the past few years that has meant almost always buying bonds. Maybe International Stock or REIT but hardly any Total Sto...
by barnaclebob
Sat Feb 17, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4732

Re: Best plants to grow to save money for food costs

Cilantro and parsley. I only ever use a fraction of what you buy and it doesn't last that long. And so much better. We've gotten cilantro to last really well for a week or more by thoroughly drying it, speading it out on a paper towel, then rolling that up and into a bag. It starts to get all rotte...
by barnaclebob
Fri Feb 16, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment new tires
Replies: 15
Views: 662

Re: Wheel alignment new tires

I don't think new tires should be cause for an alignment for most cars. Nothing about the suspension geometry should have changed.
by barnaclebob
Fri Feb 16, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 138
Views: 8350

Re: I'm Cancelling My Home Insurance

Is just your home worth 12% or your home and all of its contents are current market replacement costs worth 12%?

Your argument goes both ways. If your home is such a small portion of your net worth them presumably the cost of insurance is hardly noticeable.
by barnaclebob
Fri Feb 16, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 32
Views: 2210

Re: Good brands for Kitchenware?

if its heavy and it doesn't have a non stick coating it will probably last a really long time.

All clad and cast iron is what is in my house. I don't see any of them needing replacement for a very very long time.
by barnaclebob
Fri Feb 16, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 19
Views: 1741

Re: Repairing Stucco: A Case of Contractor Gouging

Contractor flakiness is a huge reason I'll try DIY on just about anything first.
by barnaclebob
Fri Feb 16, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 6369

Re: How to get child's skin in the game for college?

Ditch the GPA requirement. I got around a 3.2 in my Engineering degree and am doing great. I would encourage you to encourage her to go into a real major that has actual job prospects without a masters. Don't fall for the "well this school is a top 5 basket weaving program so i'll be able to get a g...
by barnaclebob
Thu Feb 15, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: First time Home Buyer in HCOL area - funds check
Replies: 16
Views: 1727

Re: First time Home Buyer in HCOL area - funds check

You can probably afford the payment but you'll be in much better shape if you can save up 20% down payment so you don't have to pay PMI.
by barnaclebob
Thu Feb 15, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy to sell a sought-after condo
Replies: 15
Views: 983

Re: Strategy to sell a sought-after condo

Most of these agents probably just want you to sign a listing agreement with them. If they have a buyer tell them to submit an offer, make sure they would only collect their normal commission or negotiate that down. Then have a lawyer review it all.
by barnaclebob
Thu Feb 15, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 1893

Re: Dental chews for dogs....useful?

The dog just thinks of it as a treat. So any type of treat would likely be fine for a reward. For actual teeth cleaning, you can buy raw bones with marrow and meat still attached. They’re around $6 for a large (maybe 6” x 4”). Do that once a month for teeth cleaning. They are generally in the froze...
by barnaclebob
Thu Feb 15, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 75
Views: 7717

Re: Can someone help me explain to my wife...?

Its relatively easy to get out when the market is on fire and then has a little hiccup like now. Its really hard to get back in after the market drops 40% or more and all thats shown on the news is how the global economy is on the brink of collapse and we might all go back to bartering and gold for ...
by barnaclebob
Wed Feb 14, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need to restructure
Replies: 20
Views: 821

Re: Need to restructure

The three fund or core 4 portfolio is always popular and a good choice. You can pick whatever asset allocation you are comfortable with those options. You might also consider throwing a little bit of money at your mortgage so that it will be paid off at your retirement age assuming you plan to stay ...
by barnaclebob
Wed Feb 14, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6474

Re: PSA: Bank of America now charges $12/month for checking

Seems like you expect a lot for next to nothing. As a BoA shareholder, I am glad to see that they are instituting fees to cover the cost of providing services to you. That could be a bit short sighted of them. Could be better to hook people at a small loss so they use you when they need more lucrat...
by barnaclebob
Tue Feb 13, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3737

Re: Home buying: how to send postcards to neighborhood we want to live in?

I would skip the family photo too. Some of the postcards could be put in drawers or saved for a future sale. Or the current residents' kids could get it and a year later these kids are teasing your kid for buying a house via postcard. You also don't know if a predator would hold onto it. He could e...
by barnaclebob
Tue Feb 13, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: Help me get my friends started
Replies: 6
Views: 514

Re: Help me get my friends started

reddit.com/r/personalfinance has a good flow chart of where you should be putting your money. Its in their sidebar/wiki
by barnaclebob
Tue Feb 13, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1055

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

I'd try DIY. My dad got all frustrated when the glass panel fell off his GE oven and then they said they'd have to send someone out just to look at it and figure out what part it needed for $150 which could have easily be done over the phone. Then they'd have to order the part which could take 6-8 w...
by barnaclebob
Tue Feb 13, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 109
Views: 7631

Re: What big item (>20k) are you saving up for?

Only thing over 20k that I'm saving up for is the replacement fund for my newer car which hopefully wont need replacing for another 5-10 years. The older car is already saved up for and I've got the cash on hand for the earthquake retrofit that my new to me house will need.
by barnaclebob
Mon Feb 12, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4379

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

Seems like these companies would be better off having an Asterisk explaining that they can refuse refunds or exchanges for cases of return policy abuse. I purchased some waders from LL Bean specifically for the return policy in case I needed it. I won't purchase any "store brand" clothing or gear wi...
by barnaclebob
Mon Feb 12, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7093

Re: I’m not renewing my Costco membership.

weltschmerz wrote:
Mon Feb 12, 2018 11:55 am
Also, buying just one set of tires is a big savings there, especially when they have the $70-off coupons.
I'm pretty sure those $70 off coupons are from the manufacturer and available and most retailers. I know I got one from discount tire last time I bought a set of Michelin tires.
by barnaclebob
Mon Feb 12, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2358

Re: Potentiometer for motor speed control- any electrical engineers around?

My brother's old RC car used to have a mechanical speed controller that was driven by a servo. I think it had 3 speed settings, would that work for your purpose? You could just manually move it instead of using a servo. something like this: http://www.activepowersports.com/traxxas-2818-rotary-speed-...
by barnaclebob
Sun Feb 11, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3737

Re: Home buying: how to send postcards to neighborhood we want to live in?

If you aren't willing to pay 15-20% over market value you are wasting your time and money.
by barnaclebob
Fri Feb 09, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: What day of the week do you invest?
Replies: 11
Views: 677

Re: What day of the week do you invest?

Whatever day the money is in my checking account.
by barnaclebob
Fri Feb 09, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2836

Re: Not happy where we live

Happiness is one of the most important things in life and if you really don't like your area it will just grind at you until something breaks. Happiness can also be independent of income to some extent. Its ok to scale back your lifestyle if that's not what brings you true joy. The stress of a move ...
by barnaclebob
Thu Feb 08, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8605

Re: Tenants want to break lease early and is pregnant

Thanks for all the responses. Interesting there was no clear concensus but I will review the lease and go from there I think sticking to the terms of the lease is the simplest and safest option. Arbitrarily altering the terms of leases with some of your tenants could potentially lead to a disgruntl...
by barnaclebob
Thu Feb 08, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 4834

Re: Leaving HCOL state for financial reasons

I'd be super hesitant to move away from a fun area, family, and friends just to have a big shiny house. What about a better quality of life? What good is a fun area if you are unable to participate because you are always working or lack the money? Yes, having family and friends nearby is important ...
by barnaclebob
Thu Feb 08, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Bogleheads in an era of robots vs. robots
Replies: 18
Views: 1281

Re: Bogleheads in an era of robots vs. robots

I think the underlying principles still hold true. One thing that I considered after monday is using more ETF's in the future vs Mutual Funds. On friday I had put in an order to sell some VTSAX in the morning, and after lunch noticed the dow down several hundred points. I was able to cancel the ord...
by barnaclebob
Thu Feb 08, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 4834

Re: Leaving HCOL state for financial reasons

I'd be super hesitant to move away from a fun area, family, and friends just to have a big shiny house.
by barnaclebob
Wed Feb 07, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1221

Re: Water Leak from shower stall - how to detect

You could try drilling a small hole and buying a cell phone borescope to see whats up there.
by barnaclebob
Wed Feb 07, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Being a Disciplined Investor - How do you avoid temptations?
Replies: 41
Views: 2704

Re: Being a Disciplined Investor - How do you avoid temptations?

I'll feel dumber losing a bet and lucky (like the I just barely avoided getting hit by a car type of luck) if I win so I know I'll feel much better riding the current of the market itself.

Also any money I bet won't really impact me much. So I eek out an extra 5k this year on a lucky bet? BFD.
by barnaclebob
Tue Feb 06, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you tell a 12 year old to park his money
Replies: 32
Views: 1831

Re: Where would you tell a 12 year old to park his money

I say he can invest half in whatever he wants and half in an SP500 index fund and see which is higher by the time hes 18. This does have the possibility of backfiring.
by barnaclebob
Tue Feb 06, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Free standing gas stove vent is hot!
Replies: 7
Views: 756

Re: Free standing gas stove vent is hot!

How old is the stove? I would consider replacing it with a new high efficiency model that has the intake and exaust air ducted to the outside. Its pretty amazing how much heat the new furnaces can extract from the gas flame. The exaust air from mine is maybe 80 degrees and very steamy, it doesn't ev...
by barnaclebob
Mon Feb 05, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Car Purchase and Sale Scams
Replies: 10
Views: 1045

Re: Car Purchase and Sale Scams

Scam #1 usually involves them sending you a fake cashiers check with extra money for the freight company and instructions that you pay the freight company yourself with the extra. The check is fake and will be returned after the car is gone. Not sure how it works with paypal though. Who knows what S...
by barnaclebob
Mon Feb 05, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Ever Thought of Suing (or Sued) A Waterproofing Company?
Replies: 20
Views: 1531

Re: Ever Thought of Suing (or Sued) A Waterproofing Company?

You need to stop the water from getting in from the outside or to pump it out when it gets inside. There is no stopping decent amounts water from the inside. I'd look into small claims court to get your money back on the original waterproofing and install a proper drainage system around the outside ...
by barnaclebob
Fri Feb 02, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly, over the phone investing help
Replies: 15
Views: 853

Re: Hourly, over the phone investing help

I guess picking my way thru this I've listened to dave ramsey give advice and keep looking for something simple. "Boom! Pay it off. Save. Debt free. Boom! Thanks for calling." Look at the 3 fund portfoilio on the wiki. That combined with selecting a conservative asset allocation might be all you ne...
by barnaclebob
Fri Feb 02, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Selling and buying a home in a high market
Replies: 9
Views: 782

Re: Selling and buying a home in a high market

Yep you've figured out the paradox of upgrading your house in a high market. Upgrading a down market is the best if you still have the cash.
by barnaclebob
Fri Feb 02, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8194

Re: Anyone else cashing out on *some* of the crazy earnings?

I cashed in big time and used it to move up to a waaaay better house. Houses as good for us as this one that we can also afford might come on the market once a year if that. The market could double next year but I wont lose sleep over it. The decision to cash in wasnt because the market went up but...
by barnaclebob
Fri Feb 02, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Shared real estate fantasy
Replies: 13
Views: 1758

Re: Shared real estate fantasy

25k per 115 sq ft???? that is INSANE. Thats 3, 4x8 beds. If you are good and grow high dollar crops and compare with expensive farmers market prices you might be able to grow $500 worth of food on that little of an area. 2% of the profits from the rentals would be a nuisance. If the property is cash...
by barnaclebob
Fri Feb 02, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Anyone has tried 'investing with the house'?
Replies: 49
Views: 3865

Re: Anyone has tried 'investing with the house'?

Its really laughable that anyone would actually pay for this advice. "Get rich playing follow the leader except you don't actually know who the leader is and every time you try to follow the leader you have picked you fall further behind."
by barnaclebob
Fri Feb 02, 2018 12:35 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8194

Re: Anyone else cashing out on *some* of the crazy earnings?

I cashed in big time and used it to move up to a waaaay better house. Houses as good for us as this one that we can also afford might come on the market once a year if that. The market could double next year but I wont lose sleep over it. The decision to cash in wasnt because the market went up but ...
by barnaclebob
Thu Feb 01, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6546

Re: Finally going to invest, brother is FA

However I will ask this, if I have an actively managed portfolio, can I not expect to get 1% more than the market? No you can't expect this. If anything you can expect to trail the market on average by the ER of the fund. Compare the returns for "Growth fund of america" AGTHX which is a commonly re...
by barnaclebob
Thu Feb 01, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6546

Re: Finally going to invest, brother is FA

Tell your brother that you don't want to have any chance of feeling resentment if the market goes down and he was supposed to help protect you from that.
by barnaclebob
Wed Jan 31, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 7720

Re: New mattress

Great information here and I think ill only try casper as a last resort now and not take any professional looking online reviews into account. Edit: We have a Leesa Sapira on the way. Didn't spend much time researching because it seems like all of the reviews are suspect and well just keep trying t...
by barnaclebob
Wed Jan 31, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3393

Re: How to ship two big tubs of butter internationally?

You'll want to ship it the fastest method possible and you'll need some way to keep it cold. How is dry ice complicated? Just put it in the box around the butter? Or is there something I'm missing like weight restrictions.

There may also be customs issues with dairy products.
by barnaclebob
Tue Jan 30, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel Question
Replies: 10
Views: 1533

Re: Bathroom Remodel Question

The odds are good that you'll be able to reuse them or will be able to buy some inexpensive parts to make them usable.
by barnaclebob
Tue Jan 30, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Basic Questions from a newbie
Replies: 13
Views: 1099

Re: 2 Basic Questions from a newbie

Welcome to Bogleheads. Hello All, I'm seeking some advice and answers to some basic questions. I'm a young guy who is looking to start investing. I've been reading the wiki and Bogle's books and articles (amongst others') and seem to be convinced this is the course I want to pursue. Question 1: A h...
by barnaclebob
Tue Jan 30, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3529

Re: Should I join Linkedin?

You mean the program that searches through your contacts so you can it can spam your friends in your name without your permission?
by barnaclebob
Mon Jan 29, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6579

Re: Neighbor recently burgalerized - Suggestions for home security

I have deadbolt locks on doors there there is glass. The deadbolts can not be opened inside or outside, without a key. You can get them without the knobs. Have fun in a fire... That is why you leave the key close enough to the door for easy exit but far enough away so that a person on the outside c...
by barnaclebob
Mon Jan 29, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6579

Re: Neighbor recently burgalerized - Suggestions for home security

A good lock or strong door frame doesn't matter if there is glass withing reaching distance of the lock itself. The glass can be broken and the intruder can reach around to unlock it. Cameras won't help catch a thief unless you recognize the person. But a camera in plain view with a sticker on the ...