Search found 4019 matches

by barnaclebob
Fri May 29, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 36
Views: 1698

Re: Car Issues - No Oil

I wouldnt bring it to a mechanic. Either keep using it or if it doesnt run right, time for another vehicle. The cost of doing anything to the car won't be worth it.
by barnaclebob
Thu May 28, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: Dry powder strategy?
Replies: 27
Views: 2153

Re: Dry powder strategy?

Dry powder strategies are a behavioral trap. Do you track every dollar against what it would be worth had you invested it ASAP? If not you have no way of determining success. Change my mind.
by barnaclebob
Thu May 28, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 92
Views: 5638

Re: What will you NOT buy online?

rgs92 wrote:
Wed May 27, 2020 11:33 pm
A bed or mattress. I need to see how it feels.
Nearly all online matress sites offer a 100 day no questions asked return policy inluding having someone come pick up the mattress if you dont like it.

I dont think ill ever buy a mattress in a store again.
by barnaclebob
Thu May 28, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 92
Views: 5638

Re: What will you NOT buy online?

Most fishing gear. I have a couple of very good local shops that i want to support as much as possible.
by barnaclebob
Thu May 28, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1283

Re: Car won't start

Don't assume that the battery itself is bad unless you know it's really old, or unless it's been tested and you know it's bad. Get the jump start, then drive it for 20 minutes or more to let your alternator recharge the battery as it usually does.\\ Cyclist Yes, this! Then, if it doesn't start due ...
by barnaclebob
Wed May 27, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: Insider Buys and Sells
Replies: 1
Views: 175

Re: Insider Buys and Sells

Yes it always results in the price going up or down but only because thats what happens for any trade. Published insider trades aren't worth looking at IMO. Most of the time its because the fat cats get most of their pay in company stock so they need to liquidate some for yacht refits, apartments in...
by barnaclebob
Thu May 21, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 23
Views: 976

Re: Floor are slanting

Any evidence of termites or carpenter ants?
by barnaclebob
Thu May 21, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6419

Re: Discarding Music CDs

hear it digitally in as good a quality as the CD? Wow, you do realize CD quality is a pretty low bar you would ever want to subject your ears to interpret sound waves to. Though, I suppose the CD has an advantage in that you won't hear pops and crackles on a poorly maintained LP, CD quality is pret...
by barnaclebob
Thu May 21, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: What questions to ask when choosing attorney?
Replies: 27
Views: 2517

Re: What questions to ask when choosing attorney?

Politics shouldn't matter unless it's the subject of the case. I've represented political figures in both parties whose names you might recognize. The case is breach-of-contract on a home improvement contract. The political situation I described was the Obama birther conspiracy. Regardless of the a...
by barnaclebob
Thu May 21, 2020 9:22 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11447

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

I have read some variant of this thread many, many times, but here goes. I went all cash in my retirement plans (401a,403b,457b) based on Tepper's call last Wed, that the market is the most overvalued he's ever seen except in 1999. His arguments made a lot of sense (also the bearish sentiments of D...
by barnaclebob
Wed May 20, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 55
Views: 4077

Re: what to do about 1000s of dandelions/weeds?

Get about 1 or 2 dozen chickens and pasture them on the grass. Theyll take care of the weeds and fertilizing. 2 acres is enough to keep them from damaging the grass.

We had 6 chickens on a couple thousand square feet of yard and it looked amazing.
by barnaclebob
Wed May 20, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19244

Re: What is your most luxury/expensive hobby.

For the family: Disney. Usually at least two trips a year(Although I'm fully on board for the Food and Wine Festival), usually with a decent amount of add-ons. Travel: Aside from the Disney trips, we usually also have 2-3 other trips throughout the year, usually at least one being an international ...
by barnaclebob
Wed May 20, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2929

Re: Engagement Ring Help

The people who respond to these threads must be the vegans of jewelry. You would think hardly any women wear wedding rings based on the replies. I spent about $3k on my wife's engagement ring at age 21, nearly my entire summer internship take home pay. She loves it, I love it. She wears it every day...
by barnaclebob
Tue May 19, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4039

Re: Vault Safe in the attic; welded, anyone ?

The only way a thief is going in your attic is if they know the safe is there. Keep it under a box labeled xmas decorations and also keep some low hanging fruit of cheap jewlery in nice boxes in a dresser drawer.
by barnaclebob
Fri May 15, 2020 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Help with some job changes please!
Replies: 17
Views: 1295

Re: Help with some job changes please!

Id take B in a heartbeat. Work to live, not the other way around.
by barnaclebob
Fri May 15, 2020 12:30 am
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3314

Re: What to do with canned chicken?

"Relative" uhuh...


Anyway i would make a big batch of chicken gumbo.
by barnaclebob
Thu May 14, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Husband Died and Spouse lack of knowledge.
Replies: 37
Views: 6139

Re: Husband Died and Spouse lack of knowledge.

I wouldn’t be surprised if the husband was trying to hide something from her. Huh? Why do you say that? Too many people have over active imaginations when they read things on the internet. A disproportionate amount of our time is spent hearing about or seeing outlier situations so many peoples brai...
by barnaclebob
Tue May 12, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: How to consider home improvement expenses
Replies: 25
Views: 1279

Re: How to consider home improvement expenses

Thanks for all the replies. I’m leaning towards just considering it all expense. FYI, the renovations we’re doing are adding crown moulding and board and batten to the kitchen and living rooms. Also adding subway tile backsplash to kitchen. Yeah those aren't worth factoring into your homes value by...
by barnaclebob
Tue May 12, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: how much to charge for two large dogs at rental
Replies: 41
Views: 2525

Re: how much to charge for two large dogs at rental

If the children of your renters are destroying the carpet, I'd probably be calling DCFS. Just seeing the destruction that my parents and in-laws dogs have caused to their homes, I'd probably not allow them at all as a landlord. But maybe that is just me. I just want to understand. You would call DC...
by barnaclebob
Mon May 11, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6082

Re: How to negotiate severance if laid off?

I imagine you can only negotiate if you have some type of leverage. If you don't have any leverage, how does one negotiate? Exactly. Unless you're in a state with strong worker protections or you have an employment contract, you've got no bargaining power. If OP is a good employee that the company ...
by barnaclebob
Mon May 11, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4822

Re: 90%+ chocolate bar

If you are in the seattle area Theo chocolate has zero extra processing or ingredients.
by barnaclebob
Sat May 09, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6082

Re: How to negotiate severance if laid off?

I imagine you can only negotiate if you have some type of leverage. If you don't have any leverage, how does one negotiate? Exactly. Unless you're in a state with strong worker protections or you have an employment contract, you've got no bargaining power. If OP is a good employee that the company ...
by barnaclebob
Fri May 08, 2020 12:09 am
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16237

Re: Neighbor’s contractor wants to access our property

Just curious, how much would it cost (roughly) for a lawyer to prepare a "No access" notice? I am not a homeowner but that post made me think: "One more issue homeowners could be dealing with, maybe I should stay a renter!" Its honestly not something to worry about. When someone posts things like t...
by barnaclebob
Thu May 07, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Does keeping ice packs in fridge save energy?
Replies: 27
Views: 2697

Re: Does keeping ice packs in fridge save energy?

I’ve wondered in the winter whether to freeze a couple gallons of water outside and then put them in the fridge. But never got around to it. That might be a complicated answer because the less your fridge cycles in winter, the more heat your hvac will have to supply. But just about all forms of hea...
by barnaclebob
Thu May 07, 2020 5:31 pm
Forum: Personal Investments
Topic: Drawbacks to chasing savings account bonuses?
Replies: 28
Views: 2221

Re: Drawbacks to chasing savings account bonuses?

There have been a handful of threads on here where people went chasing sign up bonuses and either had their money tied up in limbo for a little bit. Or they missed out on the deal becaue they didnt meet the terms of the deal like clicking through the link in the email vs opening the account directly...
by barnaclebob
Thu May 07, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: Home brewing recommendations
Replies: 25
Views: 1240

Re: Home brewing recommendations

Look up Brew in Bag homebrewing. Its what I do exclusively and turn our great beer. Brew in bag is easier with less cleanup than traditional 2 or 3 pot brewing. For 5 gal batches all you need is a 10 gal pot, burner, mesh bag, fermenter bucket, various tubes, and a few other small odds and ends. Bo...
by barnaclebob
Wed May 06, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Home brewing recommendations
Replies: 25
Views: 1240

Re: Home brewing recommendations

Ive been brewing for about a decade. Most will recommend starting with extract (malt syrup). Skip that garbage. The only extra equipment you need for all grain brewing is a $20 mesh bag. Look up Brew in Bag homebrewing. Its what I do exclusively and turn our great beer. Brew in bag is easier with le...
by barnaclebob
Fri May 01, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4660

Re: Front load washing machine recommendations

Delighted with my Electrolux! We had a front-load LG before without problems. I keep a paper towel folded over several times handy to put in the rubber gasket after unloading in order to absorb any water. Once DH got burned a couple of times, he learned to take it out before washing and put it back...
by barnaclebob
Fri May 01, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4660

Re: Front load washing machine recommendations

My in laws havnt had problems with ther 5 or 8 year old LG. We just recently got a similar model LG and like it. I was amazed at how cheap most of the control knobs felt on non LG brands. Considering thats the first thing most people touch in the stores, it seems like a good place to invest another ...
by barnaclebob
Fri May 01, 2020 1:09 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3282

Re: How to I invest in the self-driving car industry?

You cant really. My brother asked me how to invest in "3D Printing" several years ago. I told him that everyone already knows they were probably going to be big. Dozens if not hundreds of companies were doing research in this area. 3D printing might only make a small fraction of their overall value....
by barnaclebob
Tue Apr 28, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Proof of ownership and paper statements
Replies: 25
Views: 1773

Re: Proof of ownership and paper statements

In a scenario where a banks records are completely wiped out I doubt anything is going to help.
by barnaclebob
Fri Apr 24, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3358

Re: Unable to Order Work Out Equipment

Can you find a yoga mat? Body weight exercises can tide you over until other stuff becomes available.
by barnaclebob
Wed Apr 22, 2020 1:36 pm
Forum: Personal Investments
Topic: Your views on used car parts Industry
Replies: 31
Views: 1279

Re: Your views on used car parts Industry

I am currently looking at Advanced auto parts, GNTX , LKQ as I think they might be a good buy with sales of new cars projected to decline. Yes I know this is counter to indexing but have set aside some powder for individual stocks because I cant help myself. I invested in American Airlines, Jet Blu...
by barnaclebob
Thu Apr 16, 2020 12:00 am
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2526

Re: At what point is it necessary to cut down dead trees?

With 12 oaks, loblolly pines and a sweetgum on my property, I am learning more about trees than I ever wanted to know. If you don't care where they fall, but do want them out eventually, there will come a time in a year or two, perhaps sooner or later depending on the tree and its size, where remov...
by barnaclebob
Wed Apr 15, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2602

Re: How to get Disinfectant Spray? seriously.

I can't find any disinfectant spray (Lysol or store brands) locally or on the major online shopping options (Amazon, WalMart, etc). Seems like a good time to start a thread on where to look. Thanks. Unless maybe you are immunocomprimized you dont need disinfectant spray. Its all marketing. If someo...
by barnaclebob
Wed Apr 15, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refi Appraisal Came Back Low - Options?
Replies: 13
Views: 1105

Re: Refi Appraisal Came Back Low - Options?

How much cash would you have to bring to the table to get the LTV down? Is that an option for you?

In my area you can use that low appraisal to challenge your tax assessment and reduce your property tax.
by barnaclebob
Fri Apr 10, 2020 9:02 am
Forum: Investing - Theory, News & General
Topic: We are in a full-blown Depression
Replies: 95
Views: 8000

Re: We are in a full-blown Depression

Alchemist wrote:
Fri Apr 10, 2020 6:35 am
Can people please stop listening to Ray Dalio? He is just shilling for his hedge fund.
No joke, i clicked the back button when i saw his title at the bottom of the screen. This guys fund is probably betting on more gloom and doom. Its easier to sell, thats for sure.
by barnaclebob
Fri Apr 10, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: We are in a full-blown Depression
Replies: 95
Views: 8000

Re: We are in a full-blown Depression

Hey all, I encourage you all to listen to Ray Dalio's interview just published on TED: https://www.youtube.com/watch?v=yrxYhv2O3wU&t=24s He explains the reason why this is not a simple recession and why we are in a full-blown Depresion. Further, he also clarifies that this downfall is MUCH WORSE th...
by barnaclebob
Fri Apr 03, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Anyone Using Food Sealing Vacuums (eg FoodSaver)?
Replies: 41
Views: 3535

Re: Anyone Using Food Sealing Vacuums (eg FoodSaver)?

A few questions for those who use a vacuum sealer: 1. Is it possible to seal fresh vegetables? I always see photos of asparagus sealed and I've read that you can seal and freeze broccoli if you blanch it first. What are some real experiences doing so - worth it? I also love the massive bags of Powe...
by barnaclebob
Tue Mar 31, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 2832

Re: Stand Mixer

FULL DISCLOSURE: I Worked at the plant where the KAID StandMixer is Made (In USA, Ohio) I assume you are talking about a Kitchenaid SM as it really is the only kind. I happen to have 4 of them as I use them as "Jewelry for my kitchen" but practically they are the best "tool" you can have in a kitch...
by barnaclebob
Tue Mar 31, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 2832

Re: Stand Mixer

For making doughs, the Ankarsrum Assistent is really nice. It weighs half as much as a stand mixer with much more power and makes half the noise. Two big loaves (5 or 6 lbs total weight) of bread barely warms mine up. For batters i use a hand mixer. The Ankarsrum doesnt do well with small batches of...
by barnaclebob
Mon Mar 30, 2020 12:29 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15551

Re: So what are you cooking

My wife and I are trying to get decent at making macarons. The first two attempts have been acceptible and if we take all of the good aspects of both batches and combine them for the next batch it would be near pro level IMO. Other than that we ar upping our charcuterie game. Going to make a terrine...
by barnaclebob
Mon Mar 30, 2020 12:24 am
Forum: Personal Consumer Issues
Topic: garage projects
Replies: 21
Views: 1616

Re: garage projects

Start upgrading the trim and finishings in your house. Ever see a door and think, damn that looks really nice. Build it. How are you at joinery with hand tools? I just did some dovetail drawers and it was pretty easy and very satisfying. You could hone your skills with a nice shaker style table whic...
by barnaclebob
Thu Mar 19, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: How many are regretting not investing in real estate
Replies: 55
Views: 5232

Re: How many are regretting not investing in real estate

I dont have to pay a mortgage on my stocks when they stop paying rent and im legally not allowed to evict them.
by barnaclebob
Sat Mar 14, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4944

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

Search craigslist for "garage fridge" youll be able to pick up a 25 or 30 year old GE that has 20 more years of life for $50
by barnaclebob
Wed Mar 11, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home 3x income ?
Replies: 28
Views: 3157

Re: Buying a home 3x income ?

It all depends our house was a little over 4x income but the loan was 2x income on a 20 year loan. The loan payment is about 40% of our takehome (takehome was after 30% 401k contributions). Its been perfectly comfortable.
by barnaclebob
Fri Mar 06, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Deck construction impact on appraisal
Replies: 7
Views: 663

Re: Deck construction impact on appraisal

How close are you to 20% equity? If you are not even close to PMI it doesnt really matter for a refi. In fact a lower appraisal might be able to be used to get your tax assessment value reduced if they are actually close to each other. Adding the deck wouldn't reduce your value unless it was a reall...
by barnaclebob
Wed Mar 04, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Coronavirus: Why Are People Buying Water?
Replies: 61
Views: 4284

Re: Coronavirus: Why Are People Buying Water?

psteinx wrote:
Wed Mar 04, 2020 12:24 pm
I bought water.

I think I am mostly rational, at least about this particular issue.
I just did a completely irrational thing.

But I am mostly rational, at least about this particular issue.

Heres why:...
by barnaclebob
Tue Mar 03, 2020 3:12 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25765

Re: [Why aren't forum members following the "Stay the course" approach?]

Its human nature to follow the crowd just to avoid looking dumb, even if someone knows it could mean injury or death. Right now the crowd is saying sell your stocks.
by barnaclebob
Mon Mar 02, 2020 4:49 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21563

Re: Okay, now when you do buy back in?

This is where most market timers do not have answer for. This is why Bogleheads preach "stay the course" as it is the tried and true investing method from the more experienced investors. I think that "market timers" don't think of themselves as people who follow hunches about what the market will d...