Search found 2820 matches

by barnaclebob
Thu Sep 20, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 27
Views: 1535

Re: Hubby soon to be laid off

No offense, but why stay in a HCOL area for a job that only pays $30-$40K? Sell the house and that $120K mortgage becomes $200-$300K cushion for your portfolio. I don't know why this is always such a common suggestion on this forum. Many people really like where they live and moving is a huge expen...
by barnaclebob
Thu Sep 20, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 27
Views: 1535

Re: Hubby soon to be laid off

Sounds like you could go down to one car. This will save you money now and then in retirement.

If he get unemployment benefits then you might be close enough to retirement by the time those end to not worry about it.
by barnaclebob
Wed Sep 19, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 11
Views: 1355

Re: Landscaping costs?

Thats a lot of work spread across a few different disciplines, your quotes don't surprise me but I haven't ever gotten landscaping done.
by barnaclebob
Wed Sep 19, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Patio furniture covers
Replies: 8
Views: 640

Re: Patio furniture covers

Never had covers and my Woodard stuff looks great after 8 or 9 years in the elements. Covers definitely not needed for a screened patio. Covers don't keep anything dry, they accumulate condensation. IMO they are only useful for keeping the table clean during summer so you don't have to wipe it down ...
by barnaclebob
Wed Sep 19, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: any opinions of this fund? Vanguard Dividend Growth (VDIGX)
Replies: 15
Views: 1110

Re: any opinions of this fund? Vanguard Dividend Growth (VDIGX)

This was actually the fund that got me to Vanguard and here because I saw it in a list of "top 10 low cost mutual funds" clickbait article on MSN.com. All I knew at the time was that I needed to dump an expensive fund from John Hancock, SOVIX, ("Sovereign Investors Fund" whatever that means, which w...
by barnaclebob
Wed Sep 19, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 34
Views: 2857

Re: State Farm nickel-and-diming me

A relative going straight on a county road got hit by incoming car who took a left turn when it was not their right of way. Relative could have died: it was that bad. Opposing insurance started paying for some medical bills, but over time, stopped paying for additional tests. Relatives health insur...
by barnaclebob
Wed Sep 19, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 39
Views: 2711

Re: Should I bother meeting with a Chase Private Client Rep

I'd only go if you are a salesman yourself and you like seeing other sales pitches to improve your own skills.
by barnaclebob
Wed Sep 19, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1179

Re: Attic Insulation Removal/Replacement Costs

If i received that quote and liked the contractor along with all other due diligence on them, I wouldn't bother getting more quotes.
by barnaclebob
Wed Sep 19, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Fixing diamond ring
Replies: 19
Views: 1277

Re: Fixing diamond ring

I cannot help but wonder how do I know that I got back the same 1ct stone if I leave the ring. After all, I would not know zirconia from diamond on sight, and especially higher quality diamond from lower quality one or the one slightly smaller. I do have certificate for the stone, and it has some k...
by barnaclebob
Wed Sep 19, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Visiting Vanguard Headquarters
Replies: 10
Views: 4436

Re: Visiting Vanguard Headquarters

What was there to see on this tour? I imagine it would just be some pictures of various former leaders and cube farms.
by barnaclebob
Wed Sep 19, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 196
Views: 11422

Re: What is your single most expensive mistake?

Miakis wrote:
Wed Sep 19, 2018 7:59 am
Had the option to sell some stock in a private company for 1.5 M. Submitted the paperwork and everything, but at the last minute, the majority owner convinced us not to. Two years later, the company was nearly worthless due to a regulation change.
1 day fantasy sports?
by barnaclebob
Wed Sep 19, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 196
Views: 11422

Re: What is your single most expensive mistake?

Example 2: was giving a panel in a room filled with excited fans who were eager to buy the Nintendo Wii before it came out. You could cut the energy in the room with a knife. Did I buy Nintendo stock the next day? Of course not. Do you think there were similar rooms of fans for the Dreamcast or Jag...
by barnaclebob
Tue Sep 18, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 1997

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

What are you suggesting the electrical tape for? The outlet should be wired directly or pigtails connected with wire nuts. Side-wire terminals are screws, that are exposed and hot. As an extra layer of insurance, I always wrap the recessed portion of the outlet with electrical tape to cover these t...
by barnaclebob
Tue Sep 18, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 764

Re: Honda Lawnmower Warranty Issue

Tell them that they told you all of the service would be covered under warranty and that even so they have no reason to charge you for a carb cleaning on a brand new carb and that you would like them to send you a copy of the bill showing zero balance. FWIW I have a Snapper with a Briggs and Stratto...
by barnaclebob
Tue Sep 18, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 29
Views: 1544

Re: How to watch baseball playoffs without cable

I'm pretty sure the MLB has a subscription package that allows you to stream on a roku or other streaming device. It might cost like $100 to get all of the games or something like that though.
by barnaclebob
Mon Sep 17, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Travel- overwater bungalows
Replies: 16
Views: 2278

Re: Travel- overwater bungalows

We did one in the Maldives and it was great but probably not something that I would go out of my way to repeat if the resort had great beach front rooms. The swimming and snorkeling right off of our room wasn't that great but it was fun to throw food to the fish at night.
by barnaclebob
Mon Sep 17, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4342

Re: Dilemma: Add room to current house or buy new house?

Finish the basement. I find it hard to believe that another 320sq ft can make a difference to what is probably 4000 sq ft of finished space. It sounds more like your wife needs something to brag about to her friends, either ongoing issues with the "new addition" or talking about how awesome the new ...
by barnaclebob
Sat Sep 15, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3679

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

No flooring will look good if you don't vacuum for 6 months at a time. I treat my wood floors the same as my carpeted floors except I have to wipe up some spots with a damp cloth every now and then.
by barnaclebob
Sat Sep 15, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52339

Re: What is your luxury good?

My house and whisky.
by barnaclebob
Fri Sep 14, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1752

Re: Planning to Contact Vanguard

Right, but how could I make a switch and move the assets to VG funds without knowing their plan? I'd have to give them $10k to figure that out. This only furthers my argument that the common man could not ever really retire. The system is designed to destroy and eat normal people. Don't blame the s...
by barnaclebob
Fri Sep 14, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1752

Re: Planning to Contact Vanguard

Why would you have to pay 10k? Why would vanguard not be interested in your money. In any case Vanguard's advice will probably be fairly basic and cookie cutter. It will be a rep with some letters after their name putting your info into a computer and telling you what it says. Investing shouldn't re...
by barnaclebob
Fri Sep 14, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1752

Re: Planning to Contact Vanguard

Right, but how could I make a switch and move the assets to VG funds without knowing their plan? I'd have to give them $10k to figure that out. This only furthers my argument that the common man could not ever really retire. The system is designed to destroy and eat normal people. Don't blame the s...
by barnaclebob
Fri Sep 14, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Amount
Replies: 7
Views: 438

Re: Extra Mortgage Amount

I'm not sure you can just "add' extra money to a mortgage except if he were to put less of a down payment. This would not be a good idea if PMI kicks in. Seems like he would be better off opening a HELOC. Although the best solution is not buying a house until your emergency fund is or quickly will ...
by barnaclebob
Fri Sep 14, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1724

Re: New Light bulbs

Hyperikon or CREE 2700k
by barnaclebob
Fri Sep 14, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Amount
Replies: 7
Views: 438

Re: Extra Mortgage Amount

I'm not sure you can just "add' extra money to a mortgage except if he were to put less of a down payment. This would not be a good idea if PMI kicks in. Seems like he would be better off opening a HELOC. Although the best solution is not buying a house until your emergency fund is or quickly will b...
by barnaclebob
Fri Sep 14, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Is it a problem that our mortgage lender doesn’t report to credit bureaus?
Replies: 11
Views: 762

Re: Is it a problem that our mortgage lender doesn’t report to credit bureaus?

Does the bank actually own the mortgage note or are they just a servicer? When did you buy the place? It took a few months before my most recent house purchase effected my credit scores but I wasn't actually monitoring my credit report.
by barnaclebob
Thu Sep 13, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2152

Re: How to stay the course when you “think” you can outsmart the market

I truly believe indexing is the best way to invest but sometimes “ideas” get the best of me. For example with the hurricane approaching I thought it would be a smart move to buy Generac, already down 5%. I was curious how often other boggleheads trade short term and how the smart ones have the disc...
by barnaclebob
Thu Sep 13, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3330

Re: Buying a house 1 mile away from a municipal landfill

It is not necessarily a bad idea to buy this house, but it was a bad idea to put in an offer without knowing this. I'd sue the real estate agent who probably suggested a huge earnest offer to go with your offer, right? What world are you living in? There is no way that case would go anywhere unless...
by barnaclebob
Thu Sep 13, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Buying townhome/home -- need opinions
Replies: 26
Views: 1877

Re: Buying townhome/home -- need opinions

Did you do any math? Typically if the total house payment would be less than 1/3 your income you are probably fine.
by barnaclebob
Wed Sep 12, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2453

Re: Anyone into Essential Oils?

pro tip: If you learn about it on facebook, 99% chance its bunk.
by barnaclebob
Wed Sep 12, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: House eaves color
Replies: 7
Views: 468

Re: House eaves color

I had a beige/brownish house with white trim and the eaves matched the color of the main house. It looked fine. This was just the underside of the roof with exposed sheathing and rafters.
by barnaclebob
Wed Sep 12, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 29
Views: 1586

Re: where to learn to sew?

Id say DIY and internet videos. A sewing machine is basically just a continuous stapler. I think many sewing stores will include a class or two and have free workshops if you buy a machine there. Sewing basic stuff can be really easy. The hard part is patterning and then holding stuff in the right p...
by barnaclebob
Wed Sep 12, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5047

Re: Advice on how to deal with barking dogs

"manhandling" a dog would not be considered abuse in most cases unless its causing injury. I'm not saying the dogs aren't neglected or in poor living conditions but don't put too much weight on the word manhandling.
by barnaclebob
Wed Sep 12, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8222

Re: Botched countertop installation - leave it as-is or risk the repair?

Not disagreeing with you, just playing devil's advocate - what if you bought a brand new Lexus with every bell and whistle. You drive off the lot and make it a mile or two when the low oil pressure light comes on. You pull over and check the dipstick. Whoops, it's dry and there is only 1-2 qts of o...
by barnaclebob
Wed Sep 12, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8222

Re: Botched countertop installation - leave it as-is or risk the repair?

Get a high quality siliconized caulk and squeeze a bead around the sink. Should be a straight, smooth line. Done. Take comfort in knowing that it's the same sealant that keeps your walls dry every time you take a shower. Actually the part of the shower that keeps your walls dry isn't visible in a p...
by barnaclebob
Tue Sep 11, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8222

Re: Botched countertop installation - leave it as-is or risk the repair?

Put me in the camp of making a new good looking caulk bead without the blob and monitor it. As long as the cabinets and counter don't settle a bunch it should be fine for many years and re caulking isn't that big of a deal. See if the company will give you a warranty where if it fails then they will...
by barnaclebob
Thu Sep 06, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7453

Re: Should I keep my financial advisor

OP found his way here, he can find his way into a low fee target date index fund while he learns the ropes. He is a high earner and will end up paying millions of dollars to folks like you should he listen to advice like that. Or he can pay thousands to Vanguard, hundreds of thousands to the IRS, a...
by barnaclebob
Thu Sep 06, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7453

Re: Should I keep my financial advisor

Is there not someone you can pay by the hour for this kind of advice? You could hire a quality financial planner--but everybody here has opposed the idea. You need a talking earpiece instead. Or you could hire a CPA--but you don't need one after your first year. You can just copy what he did last y...
by barnaclebob
Thu Sep 06, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4573

Re: To Be or Not to Be...Married

Here we go again with the judging of relationships by this forum based on extremely limited info. OP just need some advice regarding a financial marriage penalty not judging whether their relationship is strong enough for marriage. The OP asked for input regarding her decision to marry... "I know t...
by barnaclebob
Thu Sep 06, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7453

Re: Should I keep my financial advisor

Now, let me tell you about the sale of the business. Same clients, same talking earpiece at USAA. Client had an offer to buy their business. I put it all in a spreadsheet, plugged it into tax software, and told them what their potential tax bite was. Of course, they asked how to lower it. I said, "...
by barnaclebob
Thu Sep 06, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4573

Re: To Be or Not to Be...Married

There are things in life more important than money. I am struggling with the decision to wait on marriage vs. getting it done. In my opinion, if you are struggling enough to ask strangers on the internet then you are not ready to get married. But, yeah, this! Here we go again with the judging of re...
by barnaclebob
Thu Sep 06, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4573

Re: To Be or Not to Be...Married

What is your income and net worth?
by barnaclebob
Thu Sep 06, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3412

Re: Sell our new home to downsize

My wife used to feel like we weren't saving enough until I built a spreadsheet that summed up our net worth and graphed it over time. The issue was that we were putting so much into our retirement and mortgage prepayment that it seemed like we didn't have much cash left over at the end of the month ...
by barnaclebob
Thu Sep 06, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7453

Re: Should I keep my financial advisor

If you've found your way here you can certainly find your way back home with the reins in your hands now. Other people say its best to have someone manage your money because they have filed wealth management into folder in their brain called "an expert must be better at this than I am, that's why th...
by barnaclebob
Thu Sep 06, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Buying Sushi Grade Fish
Replies: 15
Views: 1684

Re: Buying Sushi Grade Fish

"Sushi grade" isn't a real thing. You just need to buy the highest quality fish you can and freeze it first if you don't already buy it frozen. A good fish monger will be able to tell you when and where it was caught or at least how their source treats the fish. Ask some BS questions first like "is ...
by barnaclebob
Wed Sep 05, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7453

Re: Should I keep my financial advisor

I'm currently invested mostly in index funds and some low expense actively managed funds. Current asset allocation is 60% stock and 40% bonds and fixed income. Reading here on forum and Bogleheads book, I should be at higher stock allocation however my advisor disagrees... Do you have the ticker sy...
by barnaclebob
Wed Sep 05, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7453

Re: Should I keep my financial advisor

What do they have you invested in? 5k a year is could be in addition to expensive fees that the funds themselves charge. Your total balance would have to increase 5 fold before that flat fee became anywhere near reasonable.
by barnaclebob
Wed Sep 05, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: How to tell which vent is dryer vent?
Replies: 40
Views: 1648

Re: How to tell which vent is dryer vent?

Are you saying that none of them are flapping open when the dryer is on or all of them are even with all other appliances off? How high are these? Can you just go smell them?
by barnaclebob
Wed Sep 05, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 713

Re: New microwave or seek service options?

See if you can change to a regular microwave with a "built in" bezel kit. Or just finish the space out to be a microwave sized cubby and skip the built in bezel.
by barnaclebob
Wed Sep 05, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1165

Re: Your experience with Nitrous for a dental implant?

Nitrous is great and I'll gladly pay the extra $35 for it for fillings. Cheaper than a few drinks and no hangover. It doesn't really make me not feel pain or erase my memory but it makes me not care as much about whats happening and makes my body a little numb. I've never had any serious dental work...