Search found 2649 matches

by barnaclebob
Mon Jun 18, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 42
Views: 1552

Re: How much car to buy reasonably?

Pretty much anything under 100k. The only question is how much value you place on the money difference between 100k and a vehicle that meets your minimum requirements.
by barnaclebob
Mon Jun 18, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 178
Views: 14436

Re: Top Shelf Liquor Overrated?

so drinking Bud Light which I really love the taste When I read this I am torn between feeling compelled to try to convince you otherwise, or simply reciting the Serenity Prayer as many times as it takes for me to let it go. I like pretty much all beers including bud light. Just like you wouldn't m...
by barnaclebob
Mon Jun 18, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Equity Offer
Replies: 8
Views: 836

Re: Equity Offer

I'd be curious to know where the money comes from. Seems like its only a viable business model when real estate prices are going up.
by barnaclebob
Fri Jun 15, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2148

Re: Learning how to fix/repair things

It's not the book if you're thinking of installing a subpanel but it very clearly explains the elementary stuff - how to wire an outlet or the mysteries of three way switches. Installing a sub panel is actually pretty easy. Its just a pretty normal circuit that you make more circuits from. The only...
by barnaclebob
Fri Jun 15, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 141
Views: 9181

Re: Which boglehead rule do you break--and are ok with

No written IPS, just a spreadsheet showing what my preferred allocations are and how I compare. Maybe that counts as a written IPS. I have plenty of bonds in taxable (tax exempt though) I have 7% of my 401k in company stock. I has done way better than the SP500 knock on wood. It did also loose like ...
by barnaclebob
Thu Jun 14, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Renting vs Buying a Home
Replies: 24
Views: 1578

Re: Renting vs Buying a Home

I am going to make this real easy for you. Use the following rule of thumb: Monthly Rent x 200 = PRICE If PRICE is more than what houses cost in your neighborhood, then you should buy. If PRICE is less than what houses cost in your neighborhood, then you should rent. In your specific case, your mon...
by barnaclebob
Thu Jun 14, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3508

Re: Non-alcoholic drinks for wedding

I have heard that people grumble with dry weddings as well but our wedding will be around 225 people and maybe 25 of them would drink alcohol if it were offered while the others would choose differently. We would have to pay for a security person as well if we wanted alcohol plus a bartender which ...
by barnaclebob
Thu Jun 14, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Price Manipulation
Replies: 45
Views: 4852

Re: Bitcoin Price Manipulation

Do you think the environmental aspects of the mining and transaction processing would eventually become too great for the world to tolerate? Maybe in the future instead of electric heaters people will just have mining rigs and heat their house with the waste heat... There are ways (eg Proof of Stak...
by barnaclebob
Thu Jun 14, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Price Manipulation
Replies: 45
Views: 4852

Re: Bitcoin Price Manipulation

There is certainly a market for secure, purely digital payment methods, and Bitcoin was developed with that in mind from the beginning. Who can say if Bitcoin ever ends up fulfilling that role. The odds are probably against it, but if it happens, every household in the world is going to need to hav...
by barnaclebob
Wed Jun 13, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Does anyone use Imperfect Produce?
Replies: 9
Views: 1109

Re: Does anyone use Imperfect Produce?

A friend has given us some of the produce from her imperfect produce box and it was barely damaged at all. Maybe a couple brown spots on an orange or apple. Seemed like a good way to go but we have a CSA food box so we don't need it.
by barnaclebob
Tue Jun 12, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 148
Views: 14860

Re: Should I take possession of a certified mail?

We have a lot of projects and indicated to him that we'll enlist his services from time to time as we manage our personal cash flow. He texted me a couple of weeks ago to see whether there was any more work, and kept asking us whether the work was large enough ($2K-5K). I could not commit until I s...
by barnaclebob
Tue Jun 12, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 148
Views: 14860

Re: Should I take possession of a certified mail?

Why wouldn't you accept it? I'm not aware of any liability you incur just from taking possession of some document sent by a contractor. If anything you would be more likely to incur liability by not accepting it.
by barnaclebob
Tue Jun 12, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 178
Views: 14436

Re: Top Shelf Liquor Overrated?

Picked up some Laphroaig based on this thread. Holy cow is that peaty. Felt like drinking a camp fire. :happy Hopefully I'll warm up to it, but right now I much prefer Oban 14, Macallan 10 and Talisker 10. Still have the Ardbeg on my list to try. I bet by the end of the bottle you'll be loving it. ...
by barnaclebob
Tue Jun 12, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Paying off a mortgage: Incentivized by new tax law?
Replies: 17
Views: 1550

Re: Paying off a mortgage: Incentivized by new tax law?

Bogleheads....I need some advice on whether to direct money toward paying down a mortgage, or establishing a taxable account. Some background. I currently max out my 401K and Roth IRA (finally!). Wife has a Roth she contributes to. So we are pretty much maxing out our tax advantaged space. For heal...
by barnaclebob
Mon Jun 11, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 4927

Re: Rowing machine motivation

Ummmm no. If you don't work out hard: salad and no ice cream. If you do work out hard: a little ice cream doesn't hurt assuming OP is not morbidly obese. The reward doesn't have to be ice cream either. I was just making a point. I stand by my statement and I don't need a PhD to prove it. It's calle...
by barnaclebob
Mon Jun 11, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 4927

Re: Rowing machine motivation

Ummm, no. As an exercise physiologist and obesity researcher, this very common viewpoint drives me mad. If your goal is to get in better condition or lose weight (frankly, this is the goal of most people), this is just about the worst thing you can do. A lot of nutrition and exercise research has b...
by barnaclebob
Fri Jun 08, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Masonry Wood-Burning Fireplace Issues
Replies: 25
Views: 1348

Re: Masonry Wood-Burning Fireplace Issues

Thanks for the clarification. I think a wood burning insert as I mentioned before would be the best case if you really want to have a fire. Most people wouldn't be able to make a distinction between a wood burning insert and a normal fireplace anyway so you won't hurt the looks or ambiance. Most of ...
by barnaclebob
Fri Jun 08, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 1897

Re: Tipping HVAC installers?

I wouldn't tip. I think your food and drinks were enough.
by barnaclebob
Fri Jun 08, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3345

Re: Found an FSBO home for sale. How to avoid Realtor?

Another typical RE thread with lots of opinions by people who have never been Realtors and don't understand the game. Enough of that. One BIG problem of buying from a FSBO is you have no idea how they priced the house. It could be 10% high (or 10% low). I'd seriously consider paying for an appraisa...
by barnaclebob
Thu Jun 07, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3345

Re: Found an FSBO home for sale. How to avoid Realtor?

Another typical RE thread with lots of opinions by people who have never been Realtors and don't understand the game. Enough of that. One BIG problem of buying from a FSBO is you have no idea how they priced the house. It could be 10% high (or 10% low). I'd seriously consider paying for an appraisa...
by barnaclebob
Thu Jun 07, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 178
Views: 14436

Re: Top Shelf Liquor Overrated?

I see Cardhu, Glenfiddich 12-yr, Glenmorangie 10-yr, Laphroaig 10-year, and Glenlivet 12-yr in that $40-45 range (tax included). Yet I know not enough whether any of these are the MD 20/20 of Scotch... The only one of those I haven't tried is Cardhu and they are all fine scotches. Can't go wrong wi...
by barnaclebob
Thu Jun 07, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3345

Re: Found an FSBO home for sale. How to avoid Realtor?

If you don't use a realtor you'll be able to either offer 2-3% less for the equivalent of someone with a realtor if the seller is paying realtor commissions or you can offer the same as everyone else but not have to pay a realtor yourself if the seller isn't paying commissions.
by barnaclebob
Wed Jun 06, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Masonry Wood-Burning Fireplace Issues
Replies: 25
Views: 1348

Re: Masonry Wood-Burning Fireplace Issues

Did he tell you what was specifically wrong with it? Bad liner, flue too small, improper firebox/smoke shelf sizing, etc? You can get a wood burning insert that still gives you the look and feel of a fireplace but will actually put out some heat vs sending it all up the chimney. This might require a...
by barnaclebob
Wed Jun 06, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 178
Views: 14436

Re: Top Shelf Liquor Overrated?

Reading through and seeing this thread still around, I thought I'd chime in again. A question occurred to me -- how do people start drinking top shelf liquor? Certainly the liquor many of us first enjoyed earlier in life was no high end. An earlier post shared a story where his son-in-law, clearly ...
by barnaclebob
Tue Jun 05, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: storing backpack in Seattle
Replies: 11
Views: 1289

Re: storing backpack in Seattle

Seattle has lime bikes littering the streets everywhere.
by barnaclebob
Tue Jun 05, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8571

Re: Don't make the mistake I made (Telemarketing hell)

In a similar vein, don't ever give your information to any online moving logistics company that claims to help you find the best mover. The same thing happens where tons of companies call you regardless of any information you provided to the logistics company. It only lasts a few days though.
by barnaclebob
Tue Jun 05, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 1824

Re: Tool board for basement - plywood or pegboard?

French cleats or peg board.
by barnaclebob
Tue Jun 05, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 178
Views: 14436

Re: Top Shelf Liquor Overrated?

IMO, yes. I won big at the craps table one night and decided to treat my friends to a bottle of Bookers Small Batch - comes in a wood case - for around $75. All agreed it was like swallowing a furnace and also agreed that less expensive bourbons tasted much, much smoother. I used the remainder of t...
by barnaclebob
Mon Jun 04, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Needed - Firing Advisor and Rolling Over 401K
Replies: 7
Views: 772

Re: Advice Needed - Firing Advisor and Rolling Over 401K

Your plan looks fine to me. Most of your other questions are tweaks that probably wont make much difference or at least nobody can tell you whether it will be better to do it one way or another.

Can you roll your 401k into your new employers 401k so you keep the backdoor roth an option?
by barnaclebob
Mon Jun 04, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: owning Apple product, complete satisfied
Replies: 8
Views: 852

Re: owning Apple product, complete satisfied

WhiteMaxima wrote:
Mon Jun 04, 2018 1:36 pm
Apple product is not just engineering product. It is a complete art. Thought it cost more. For this reason, I am going to buy more AAPL stock.
Why does that mean it will be a good investment?
by barnaclebob
Mon Jun 04, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Roof Leak
Replies: 11
Views: 643

Re: Roof Leak

I'd recommend getting the skylights replaced with the roof if they are that old. Newer once might be better insulated. I had much less condensation in the bathroom skylight after it was replaced.
by barnaclebob
Mon Jun 04, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Home Reno, your objective opinion please.
Replies: 34
Views: 2775

Re: Home Reno, your objective opinion please.

You make 2mm+ a year and that is fairly safe for the next couple of years, you can do whatever you want.
by barnaclebob
Mon Jun 04, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Using multiple real estate agents simultaneously
Replies: 9
Views: 761

Re: Using multiple real estate agents simultaneously

Unless you have a contract that specifies exclusivity or something like that then I think you are fine. The agents might not like it though because they are no longer pretty much guaranteed a commission.
by barnaclebob
Fri Jun 01, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Save old mortgages, etc.?
Replies: 4
Views: 512

Re: Save old mortgages, etc.?

I save nothing financially related except tax returns and major documentation of the sale of my previous house and the purchase of the current one. Things like releases of liens, closing documents, major renovation documentation. The incremental time savings of not worrying about the small stuff has...
by barnaclebob
Fri Jun 01, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4587

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

First of all, the world needs more people like your son instead of people who want to create an app that puts a puppy face animation on a selfie video. I work at one of the large private aerospace companies and really love working on projects that most people in the world can recognize. The amount o...
by barnaclebob
Fri Jun 01, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 40
Views: 2537

Re: Sherwin Williams paint

I'm sold on Sherwin Williams for the customer service alone. They'll actually try to match paint better than the initial results of the scanner. I doubt you'll get the big box stores to do that.
by barnaclebob
Fri Jun 01, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 178
Views: 14436

Re: Top Shelf Liquor Overrated?

I bought a bottle and discovered that it was a typical wholesale bourbon sold by many distilleries to commercial bottlers. There are many more labels for booze than there are distilleries. DMW Yes, this is a huge trap to watch out for. Always read the label of a new bottle you are buying, especiall...
by barnaclebob
Thu May 31, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 178
Views: 14436

Re: Top Shelf Liquor Overrated?

There is a definite improvement in cognac from the cheap stuff to Remy VSOP to Remy XO. With Scotch, its mostly about marketing for anything above $100 to $150. Above that range and you are probably paying for marketing or just very old scotch. No need to spend over $60 for a fifth of most bourbons ...
by barnaclebob
Thu May 31, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: belize with kids -- advice?
Replies: 8
Views: 813

Re: belize with kids -- advice?

No advice for what to do there as we were in Caye Caulker but 100% DEET will be your friend if they are similar.
by barnaclebob
Thu May 31, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4040

Re: steel cut oats in bulk

a google search indicates that costco might have 7lb bags of red mill steel cut oats for less than $10
by barnaclebob
Thu May 31, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a "Flipped" House?
Replies: 27
Views: 3090

Re: Thoughts on Buying a "Flipped" House?

Seems like it would be better to buy a fixer yourself rather than redo all of the last flippers work except windows, faucets, and appliances. If they had to touch plumbing, electrical, HVAC, or the structure then expect some surprises there. Good luck finding someone to remove and reinstall your qua...
by barnaclebob
Wed May 30, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4555

Re: My mind exploded

I spent a lot of my money on what could be considered frivolous things after the age of 16 while being mainly supported by my dad. It came from money that I earned from my job and I did buy a $140 (about 25 hours pay at the time) pair of Birkenstocks which would be about $200 now according to the fi...
by barnaclebob
Wed May 30, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 6878

Re: get sued for posting nagative online review?

samsoes wrote:
Wed May 30, 2018 8:26 am
NoHeat wrote:
Tue May 29, 2018 9:49 pm
Alexa9 wrote:
Tue May 29, 2018 9:34 pm
Make sure your reviews are anonymous just in case.
You are not truly anonymous. A subpoena will reveal your identity.
Not if you use a VPN and an anonymous email.
Sometimes not even then.
by barnaclebob
Tue May 29, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7379

Re: Advice on neighbor not keeping up his property...

He wants to remove his lawn and put in bricks to cover it. The bricks are simply waiting to be installed. You might consider moving to a neighborhood with a good HOA. Sounds like he's settling in and things are going to go from bad to worse. No he is a nice guy. No issues as, I have stated before t...
by barnaclebob
Tue May 29, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: How To Store Blue Rhino Tanks Safely
Replies: 35
Views: 2698

Re: How To Store Blue Rhino Tanks Safely

Then why do HD/Lowe’s have the gauges with the grill stuff with no notice that “this really won’t measyre what it says it measures”? Because people buy it. And it does measure what it says it measures, its just that the particular measurement that it provides isn't useful. Take notice of how the mo...
by barnaclebob
Tue May 29, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: How To Store Blue Rhino Tanks Safely
Replies: 35
Views: 2698

Re: How To Store Blue Rhino Tanks Safely

Here's another idea (I am the original poster and suggested using a 1 pound cannister as backup, but no one has responded): Get a gauge for the 20 pound tank. They are cheap at Home Depot or Lowe's. When the first tank gets low but not empty, swap to the second (full) tank. Keep the almost-empty ta...
by barnaclebob
Tue May 29, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: 13-year old Civic. Replace, or keep sinking money into it?
Replies: 51
Views: 3764

Re: 13-year old Civic. Replace, or keep sinking money into it?

The overheating problem would be the kicker for me since you've already tried some fixes. All of the other stuff sounds normal for a car that age.
by barnaclebob
Tue May 29, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle
Replies: 65
Views: 8129

Re: The Side Hustle

Side hustle is just a glorified name for a second job.
by barnaclebob
Tue May 29, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2456

Re: Solid Raw wood from South Africa infestation?

We brought a statue back from Bali that had little piles of sawdust after a few days. We put it in the freezer for a week and that fixed the problem.
by barnaclebob
Thu May 24, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1271

Re: Buying Crypto tokens in private sale prior to ICO

Aren't ICO's a joke nowadays? Pretty much like buying a penny stock.

How did they come up with the initial offering price and why would they offer it to a freelancer for a discount? What is the incentive for the public to buy this coin over anything else?