Search found 3424 matches

by barnaclebob
Wed Apr 24, 2019 3:29 pm
Forum: Personal Investments
Topic: What to do? Sitting on the bench since October
Replies: 3
Views: 190

Re: What to do? Sitting on the bench since October

You've already outsmarted yourself once. Consider it tuition and put the money back where it was except if you legitimately need to change your asset allocation to sleep at night. The market may drop 10% on Friday but that's out of your control. Accept that you are terrible at market timing the only...
by barnaclebob
Tue Apr 23, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 59
Views: 2361

Re: How to clean a garage?

I only keep a few pieces of larger scrap and maybe one or two smaller. Projects that need bigger pieces generate smaller scrap faster than it gets used. How is your organization system? I was able to fit about everthing you had except the canoe in my two car garage. Space was used very efficiently s...
by barnaclebob
Tue Apr 23, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Navigating the Appraisal and Inspection as a Seller
Replies: 31
Views: 1213

Re: Navigating the Appraisal and Inspection as a Seller

Its all dependant on what the reports say or if the buyer asks for anything. Sit tight and hope for the best until then. If you arent interested in repairs then you can tell the seller you had 9 other offers and wont be doing anything or you can give them a credit at closing for an appropriate amount.
by barnaclebob
Tue Apr 23, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: How to fix foundation damaged by neighbor's car
Replies: 17
Views: 1542

Re: How to fix foundation damaged by neighbor's car

The shear force capability of that joint between the wood and concrete has been destroyed so you need to reinforce the whole area and put new bolts into the foundation if the old ones are too short to use. He could block out that area and install a Simpson strong tie, L bracket, or something similar...
by barnaclebob
Tue Apr 23, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 57
Views: 2971

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

My uncle was driving home from a weekend trip on the interstate with his 3 kids in the car. He noticed a strange vibration and decided to get off at the last second for an exit. Pulls into a service station in the middle of nowhere and they tell him 3 of his 5 lug nut studs are broken because the ti...
by barnaclebob
Sun Apr 21, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3472

Re: update 70s kitchen or nah?

I think you might be the first person who has said "I'll convert it to a galley style kitchen" Galley kitchens are extremely undesirable.
by barnaclebob
Fri Apr 19, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 61
Views: 7176

Re: Dissuade me from buying art [Kauai]

unclescrooge wrote:
Fri Apr 19, 2019 5:36 pm
barnaclebob wrote:
Fri Apr 19, 2019 9:02 am
Yeah but now 90% of what you are paying for is exclusivity.
Very true.

But how much is that worth?
Not much to me.
by barnaclebob
Fri Apr 19, 2019 3:28 pm
Forum: Personal Investments
Topic: Fire my financial advisor now or later? (recent windfall help needed)
Replies: 48
Views: 3990

Re: Fire my financial advisor now or later? (recent windfall help needed)

BarnacleBob: I think you are way too kind in giving the benefit of the doubt to this so called FA, so you must be one heck of a nice guy! She knows what her job is, and she knows who she is supposed to satisfy... her company comes first. These companies are looking for people like that to represent...
by barnaclebob
Fri Apr 19, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3048

Re: At what point would you hire someone vs. cut down a tree yourself?

It really depends on what it can damage if it goes the wrong way. But if you look up how to do the cuts so it hinges in the right way the risk is pretty low for smaller trees. 25ft is pretty small and you shouldn't even need a ladder, maybe a pole pruner could take the branches off. Or fell it first...
by barnaclebob
Fri Apr 19, 2019 12:12 pm
Forum: Personal Investments
Topic: Investing in someones YouTube channel?
Replies: 17
Views: 812

Re: Investing in someones YouTube channel?

Extrapolate the returns you would be missing out on had you invested per your plan and then convert that into how much longer you'll have to work before retiring. Read up on all of the shenanigans involved with monetizing a youtube channel and how youtube's policies can cut that money off on a whim....
by barnaclebob
Fri Apr 19, 2019 10:18 am
Forum: Personal Investments
Topic: Fire my financial advisor now or later? (recent windfall help needed)
Replies: 48
Views: 3990

Re: Fire my financial advisor now or later? (recent windfall help needed)

Her response was that she agrees that mutual funds and total stock market index funds are a good way for most people to do lower income investing. She agreed that the bulk of my portfolio should be in indexes, and that the ML CIO Equity ETF isn't really trying to beat the market, rather it is a for...
by barnaclebob
Fri Apr 19, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Feasibility
Replies: 22
Views: 1224

Re: Home Purchase Feasibility

I realize the only way for us to actually "afford" this place is to increase income, or look for a more reasonably priced home. You've already answered your own question. You will be house poor from a cash flow perspective. How much other savings do you have? Are you leaving out that you contribute...
by barnaclebob
Fri Apr 19, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 61
Views: 7176

Re: Dissuade me from buying art [Kauai]

Indeed! I saw an original Grant Pecoff for $10,000 and made a low ball offer for 40% off. The gallery owner said she would contact the artist and get back to me. Luckily that offer was rejected. I'm seriously considering an "artist proof" for only $3000, but it seems like a lot of money for basical...
by barnaclebob
Fri Apr 19, 2019 8:43 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 9050

Re: Thinking about selling stocks near all time highs

Your fundamental flaw is cherry picking yours starting pint and then extrapolating. The market doesnt care about Jan. 1. What if you started at Dec 15?
by barnaclebob
Thu Apr 18, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 61
Views: 7176

Re: Dissuade me from buying art [Kauai]

What is it about vacations that inspire purchases that would never occur to one in normal life? We spent a week in Kauai last June and the galleries were full of gorgeous work. I settled on a silk batik shirt for $60. It's too flashy for home. I've not worn it since. Enjoy without regrets. Our home...
by barnaclebob
Thu Apr 18, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: House with Permanent Wood Foundation - Would You Buy?
Replies: 13
Views: 1328

Re: House with Permanent Wood Foundation - Would You Buy?

If it looks great after 30 years it will probably look great for another 30. I would think that any future work which required the foundation to be brought up to code would have to be nearly tearing the whole thing down.
by barnaclebob
Thu Apr 18, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Electric smoker
Replies: 26
Views: 1097

Re: Electric smoker

I'll just say that no renowned BBQ is made on an electric smoker. They are for fish and ham IMO. All bbq that I've had from an electric smoker does not have good bark and comes out kind of mushy. That being said the average person loves anything that is "fall of the bone" and you'll definitely get t...
by barnaclebob
Thu Apr 18, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1493

Re: Controlling Ivy on walls

Ivy is the devil. Don't give it an inch. Make some fixed line on your property that the Ivy is not allowed to go past.
by barnaclebob
Thu Apr 18, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 54
Views: 2795

Re: College admission inputs - Purdue vs local SJSU vs others

Boiler up!

I feel i got a great education at Purdue (graduated 2008). I wish the school supported the extracurricular clubs and activities a little more but at least we were left to our own devices vs having a professor pulling the strings.
by barnaclebob
Thu Apr 18, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 61
Views: 7176

Re: Dissuade me from buying art [Kauai]

As long as you love it thats what matters. The resale will likely be pennies on the dollar.

I recently paid $600 for a rare antique WW1 poster with a chicken on it and another $450 to have it framed. Nobody is ever going to pay me $1k if I try to sell it but I don't care.
by barnaclebob
Thu Apr 18, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5297

Re: Bogleheads privacy warning

I just entered my username (mikemikemike) into the search bar, and as a result retrieved all of my posts to bogleheads. So, for example, if you post things about your net worth, or the amount of gold coins you have in your home, and someone (say, a hacker) links your name and/or address to your bog...
by barnaclebob
Thu Apr 18, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Advice on non warrantable condo in Bellingham
Replies: 17
Views: 1436

Re: Advice on non warrantable condo in Bellingham

You should be getting a discount due to the fact that its hard to sell. You'll have to pass hopefully the same discount onto the next buyer so in theory it could be a wash.
by barnaclebob
Wed Apr 17, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3402

Re: Do you pick up after renting a vacation rental?

Dishes would be in the dishwasher but I wouldn't wipe down counters.
by barnaclebob
Wed Apr 17, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: I give up on discount movie apps....
Replies: 11
Views: 1054

Re: I give up on discount movie apps....

Business whose model depends on raising venture capital to stay in business are always pretty risky to to make a long term commitment to. When the money gets low, things get sketchy. Paying by the month is fine. Signing up for a year in advance is just asking for problems. Its amazing how many peop...
by barnaclebob
Tue Apr 16, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 2962

Re: Vaccine consent form allegedly forged...

What are you trying to accomplish? Punishing whoever changed your form? Monetary Compensation? Either call whose ever in charge of the office, hire a lawyer, or move on. Stuff happens.
by barnaclebob
Tue Apr 16, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6389

Re: What is your hobby and how did it come to be your hobby?

I’m looking for a new hobby and am curious as to what other Bogleheads have chosen, as well as how it came to be. Vegetable garden: Had no intentions of doing it until we bought a house with a few raised beds already in place. "why not throw some plants in and see what grows" Double the bed space, ...
by barnaclebob
Tue Apr 16, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 678
Views: 76504

Re: U.S. stocks continue to soar!

I got $6,000 ready to go in VTSAX for the 2019 contribution limit. Should I wait till the end of May to buy or just put it all in right now and not try to time the market? This is a joke thread not meant for actual recommendations. Nobody on this site will tell you time the market with any seriousn...
by barnaclebob
Mon Apr 15, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: High powered binoculars recommendations
Replies: 22
Views: 1035

Re: High powered binoculars recommendations

Considering my assumptions... lots of water glare, snow or ice, hand held, movement of ship, daytime, I would avoid a large aperture (too much light) and avoid high power, (hand held) I would say no more than 8 power, and around 35 for an Optical diameter. More than 8 power yields too much image sh...
by barnaclebob
Mon Apr 15, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: High powered binoculars recommendations
Replies: 22
Views: 1035

Re: High powered binoculars recommendations

I'm interested in answers here - we're going on an Alaskan cruise this summer and would like to get a good value pair of binoculars (not worth spending a lot since probably won't get used much outside the cruise). I've also got a cheapo pair of 10x binoculars that maybe cost $30. They work just fin...
by barnaclebob
Mon Apr 15, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: High powered binoculars recommendations
Replies: 22
Views: 1035

Re: High powered binoculars recommendations

What do you mean by high power? I use a mid range Vortex spotting scope (Viper HD?) to look at the Puget Sound and its great for that. The magnification is 20x to 60x but the higher magnification doesn't really improve what you can at distance see very much. Sometimes magnification can help when rea...
by barnaclebob
Mon Apr 15, 2019 12:07 pm
Forum: Personal Investments
Topic: Too much cash?
Replies: 9
Views: 1371

Re: Too much cash?

I'd probably put it in VMMXX like you said. 2.5% is good enough.
by barnaclebob
Mon Apr 15, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9774

Re: seriously thinking about leaving S. CA but where to?

sil2017 wrote:
Mon Apr 15, 2019 11:05 am
I changed the criteria. Good climate . But no hurricane, flooding, blizzard and tornado places .

PS. it seems almost a dead end again. I rather not stay put but it seems like I may
So the east and gulf coasts are out...

Have you looked at living in California?
by barnaclebob
Mon Apr 15, 2019 11:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 678
Views: 76504

Re: U.S. stocks continue to soar!

Short in May and while you grow your Hay!
by barnaclebob
Mon Apr 15, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 40
Views: 2713

Re: French Door Refrigerator Recommendations?

Our LG french door fridge is about 9 months old and hasn't given us any problems yet, knock on wood. I paid $300 for the 5 year extended warranty from Lowes due to LG's terrible reliability reviews and I never buy warranties. I'm mentally prepared to go to battle if the time comes and we have backup...
by barnaclebob
Sat Apr 13, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4188

Re: How to avoid throwing money at problems?

Get the yard and cleaning services. If my wife and i had to work 60 hours a week even without a kid or dogs we would outsource as much as possible.

Worst case: you try it for a few months, dont like it and are out a ground or two. Big deal.
by barnaclebob
Fri Apr 12, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3884

Re: Relocating to Seattle from Baltimore Area

<< I don't plan on commuting more than 30 minutes max >> Can you afford to? I will let those West Coast folks enlighten you for the housing cost. Yes, he can easily afford to live in/near South Lake Union on $200k+ income. A lot of people live there on $100k or even $80k if you're willing to rent a...
by barnaclebob
Fri Apr 12, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3884

Re: Relocating to Seattle from Baltimore Area

:sharebeer Have you spent much time in Seattle? I lived there for a bit over a year and I’m originally from the east coast. I moved there for the outdoors and loved the nature, scenery, hiking, and skiing within a short distance of the city. What I hated about it and ultimately led me to leave was ...
by barnaclebob
Fri Apr 12, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 105
Views: 7985

Re: Crypto bulls are back. Are you getting in?

Did it mean anything for the value of apps in general when JP Morgan created an app for their company? Technology risk is one of the key risks of any new kind of tech. Their adoption of blockchain technology speaks volumes about the maturity of the tech. No? Some people are still skeptical about wh...
by barnaclebob
Thu Apr 11, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 2902

Re: Buying a bed

Check this out: https://bestmattressonline.org/top10.html I wouldn't trust any site like this. There are no reputable mattress reviews online. Previous threads have discussed the schemes that these companies use to drive sales via sham reviews and kickbacks to the reviewers. So you'd rather trust s...
by barnaclebob
Thu Apr 11, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 46
Views: 3317

Re: Gardening 2019

How do you keep squirrels, birds, and other animals from destroying your garden? I guess the obvious solution is to put the garden inside a cage. Are there any other options? Get a dog that likes to chase things? We are lucky and have minimal animal problems. A couple rabbits were going after stuff...
by barnaclebob
Thu Apr 11, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 2902

Re: Buying a bed

tennisplyr wrote:
Thu Apr 11, 2019 3:45 pm
Check this out:

https://bestmattressonline.org/top10.html
I wouldn't trust any site like this. There are no reputable mattress reviews online. Previous threads have discussed the schemes that these companies use to drive sales via sham reviews and kickbacks to the reviewers.
by barnaclebob
Thu Apr 11, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2077

Re: Replacing Main car to get better safety features

Imbros wrote:
Wed Apr 10, 2019 8:56 am
In an accident, I would rather be in my 10+ year old SAAB sedan than a brand new Subaru Impreza, which is the same size.
Based on what information?
by barnaclebob
Thu Apr 11, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Appraised vs Market Value of Home
Replies: 23
Views: 1314

Re: Appraised vs Market Value of Home

Tax assessments are not appraisals. In my area the assessed value is typically about 10% under market value.
by barnaclebob
Wed Apr 10, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: sort of deadbeat tenant
Replies: 23
Views: 2707

Re: sort of deadbeat tenant

How much was the security deposit? What was the rent supposed to be?

Why would involving your boss even cross your mind?
by barnaclebob
Wed Apr 10, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Remote control solution for my parents.
Replies: 38
Views: 2299

Re: Remote control solution for my parents.

How old is their equipment? Someone on here let me know that most new equipment these days talks to eachother through HDMI and a single remote can work for basic functions. I only need my roku remote to watch tv. One button turns on the TV, Roku, and Receiver. The volume controls work the receiver v...
by barnaclebob
Wed Apr 10, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8125

Re: Are Airport Lounges Worth the Money?

I'm no lounge expert but all of the domestic lounges I've been to at least have name brand spirits, Jack, Bacardi, Smirnoff, Beefeater, etc. Right, a low end college bar during happy hour :sharebeer Here's a link to Delta Sky Club's complimentary alcohol: https://www.delta.com/content/dam/delta-www...
by barnaclebob
Wed Apr 10, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8125

Re: Are Airport Lounges Worth the Money?

A basic lounge is worth about $30 to $40 per person per flight for me for drinks alone. Really? The free alcohol selection at a basic domestic lounge is typically what you'd find at a low end college bar during happy hour. It's there, but tends to be the bottom of the barrel. Independent lounges, e...
by barnaclebob
Wed Apr 10, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8125

Re: Are Airport Lounges Worth the Money?

A basic lounge is worth about $30 to $40 per person per flight for me for drinks alone. Good international lounges maybe 1.5x that.

Starting the trip off with a decent buzz makes it a lot better.