Search found 2974 matches

by barnaclebob
Thu Nov 15, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 14
Views: 366

Re: Mouse in the house

Just keep some snap traps in the attic and check them a few times a year. If you hear more mice or see more droppings check them more often, add more, or relocate them as needed. Definitely not worth getting the dead mouse out of the wall. They probably have a couple tablespoons worth of moisture in...
by barnaclebob
Wed Nov 14, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 36
Views: 2173

Re: 30" or 36" induction range for remodel?

First thing I did when I bought my current home was to rip out the Thermador 36" gas cooktop, and replace it with a 36" Kenmore induction cooktop. I would never consider any cooktop other than induction. Much safer, power efficient, and I don't burn fossil fuels . I'm very much a kind of cook at ho...
by barnaclebob
Wed Nov 14, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 77
Views: 9248

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

FWIW, my net worth was down 55k last month, maybe 6 months of savings. It was the first time it had been down in 32 months. The total increase for the prior 32 months is +851k and maybe about 300k of that was new contributions. I think it's much easier if you've had a ton of gains in the market, in...
by barnaclebob
Tue Nov 13, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 29
Views: 2156

Re: Any space heaters that automatically maintain a temperature in a room!

Does the room need more air circulation? A space heater on the ground might be in 10 degree cooler temps than halfway to the ceiling due to temperature stratification. When we had a renter in our finished basement apartment he was running two oil space heaters quite a bit to keep his pet reptile hap...
by barnaclebob
Tue Nov 13, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 77
Views: 9248

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Its best not to equate the swings in your portfolio with how long it would have taken to generate that amount of money in wages. Or at least don't do it on just the negative side. How much are you up overall in the past few years? I know what I'm up is many years worth of wages without having to lif...
by barnaclebob
Tue Nov 13, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 25
Views: 1687

Re: Global Entry Turnaround Time ?

I wouldn't worry about the crime question right now. I think they will ask you about it at the interview. I was surprised by one question. On the application, there is a question whether you have violated any customs laws. I had forgot the previous year returning from Singapore, I had put an apple ...
by barnaclebob
Tue Nov 13, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 25
Views: 1687

Re: Global Entry Turnaround Time ?

I finished my application and paid on Oct 17th, still says waiting for approval. I leave for Asia Dec 1 so lets hope it comes through in time.
by barnaclebob
Tue Nov 13, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing New Home - Down Payment 20 or 25%??
Replies: 19
Views: 1103

Re: Purchasing New Home - Down Payment 20 or 25%??

How long would it take you to save that 5% back up? With secure jobs and a high savings rate it can be safe to go down to low liquidity for a short time. When I bought my first house with 20% down I was slightly concerned I might have to delay closing by two days so we could receive our paychecks an...
by barnaclebob
Tue Nov 13, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 36
Views: 2173

Re: 30" or 36" induction range for remodel?

A 200lb propane tank for the range could be an option if you want a flame to cook with. That would probably add several k to your remodel though. A 6 burner stove is something I really want and would use a decent amount. We find ourselves with pressure canners, stock pots, etc on the stove while als...
by barnaclebob
Tue Nov 13, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2519

Re: Upstairs Floor is No Longer Used....

Keeping the doors closed upstairs and the heat turned off up there shouldn't be a big deal as long as it doesn't get down to crazy low temps. Having a workout room be colder seems like a bonus.
by barnaclebob
Mon Nov 12, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Exterior Painting Mil Thickness and Coats
Replies: 15
Views: 1041

Re: Exterior Painting Mil Thickness and Coats

My industry uses what we call witness panels to ensure paint quality in certain cases. A witness panel is a piece of material that the painter paints at the same time as the product. The witness panel is then examined to make sure it meets quality specs and its assumed that the product does as well....
by barnaclebob
Mon Nov 12, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Convinced wife to invest but wants her own accounts
Replies: 22
Views: 3360

Re: Convinced wife to invest but wants her own accounts

I don't understand the "I dont want to have to ask you for money" argument. If its a joint account she will have access to it. The only discussion would be if the money should be withdrawn for whatever purpose. The same conversation should happen with or without joint accounts. It’s a security issu...
by barnaclebob
Mon Nov 12, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 1942

Re: Trying to move out.

You are thinking too much. Introduce your dogs.
by barnaclebob
Fri Nov 09, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Convinced wife to invest but wants her own accounts
Replies: 22
Views: 3360

Re: Convinced wife to invest but wants her own accounts

I don't understand the "I dont want to have to ask you for money" argument. If its a joint account she will have access to it. The only discussion would be if the money should be withdrawn for whatever purpose. The same conversation should happen with or without joint accounts.
by barnaclebob
Thu Nov 08, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3919

Re: High-end Christmas decorations

Just don't get anything inflatable. Those are so tacky IMO.
by barnaclebob
Thu Nov 08, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2024

Re: New Treadmill - Proposition 65 Warning Label

Don't lick the treadmill.
by barnaclebob
Wed Nov 07, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7413

Re: Never thought of living in Bay Area but just got a call from Tesla

There were other shenanigans such as calling lyfts instead of ambulances. Depending on the extent of the injury, that might be the BH thing to do, but the article raises suspicious activity. Report: Tesla’s onsite clinic uses Lyft, not ambulances, to undercount injuries The doctor who runs the clin...
by barnaclebob
Tue Nov 06, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7413

Re: Never thought of living in Bay Area but just got a call from Tesla

I know an engineer who got a job there out of college in 2009, he took a job at another company around 2014 I think. There was an interesting piece on NPR yesterday about their safety culture of lack of it. Several former employees accused them of doing anything possible to not have recordable incid...
by barnaclebob
Tue Nov 06, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking lot loan to build house
Replies: 19
Views: 1319

Re: Seeking lot loan to build house

How much would you spend on the house and lot? What are your other assets?

A 200k 1 acre lot can't be that far out in the mountains in WA. It must still be within driving distance of Seattle so you'd probably be paying Seattle building prices.
by barnaclebob
Tue Nov 06, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 36
Views: 4655

Re: E. Jones/Vanguard and now Fisher Investments

I think 64 different funds is a record for this forum as far as i can remember. My quick advice is that there is a DIY solution for anyone at Vanguard. They can range from a super simple single fund approach, to a still pretty simple 3-4 fund portfolio. Fidelity is another option and I have read the...
by barnaclebob
Mon Nov 05, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Email on dark web. haveibeenpwned.com
Replies: 9
Views: 2057

Re: Email on dark web. haveibeenpwned.com

your email address is not a secret. Just the password is. Gmail with 2 factor authentication seems to work pretty well.
by barnaclebob
Mon Nov 05, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12657

Re: Are we in trouble?

Yes we lowered the price twice. originally listed at 799K ...lowerd it to 775K and now 750K. Since texas is a no state tax state we felt comfortable with the higher mtg. I just do not want to make decisions when i am feeling so upset and make things worse and hence looking for some outside perspect...
by barnaclebob
Mon Nov 05, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12657

Re: Are we in trouble?

aspirit wrote:
Mon Nov 05, 2018 3:33 pm
milestogo2 wrote:
Mon Nov 05, 2018 3:26 pm
I just do not want to make decisions when i am feeling so upset and make things worse and hence looking for some outside perspective.
Outside perspective? (IMO) You've purchased more house than you can afford! Twice!
Good luck!
a 1.2 mil house on 370k of income is hardly unaffordable.
by barnaclebob
Mon Nov 05, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12657

Re: Are we in trouble?

If your house hasn't sold in 6 months, the price is too high. Have you not lowered it at all? What are the comps priced at and how many are there? Around here you generally lower the price every month but this was a super hot market that's now cooling off. What is the average price of a house in you...
by barnaclebob
Mon Nov 05, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Questions
Replies: 7
Views: 949

Re: Home Purchase Questions

I would put down enough that the PITI would be about 33% of my take home pay on a 15 year mortgage. At that level and below you don't risk feeling house poor and if your income rises over time your housing will become a fairly insignificant cost. Keep your money in the short term tax exempt bond fun...
by barnaclebob
Fri Nov 02, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: RE Newbie: Buying Family Owned Home
Replies: 14
Views: 1057

Re: RE Newbie: Buying Family Owned Home

As far as I know, buying it below market value wouldn't have an impact on you besides lowering your cost basis in a future sale. You should be able to have a real estate lawyer take care of the paperwork. I don't know if a title company would need to be involved or not.
by barnaclebob
Fri Nov 02, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Have my first busted trades today
Replies: 33
Views: 3188

Re: Have my first busted trades today

I really don't understand why anyone uses ETF's for long term investing. With mutual funds you just put in orders before the deadline and the next day they have happened. No need to worry about bid/ask spreads (which i cant imagine are very significant). With mutual funds you do give up some certain...
by barnaclebob
Fri Nov 02, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: If you just track NW on a spreadsheet....isn't that sufficient?
Replies: 18
Views: 1999

Re: If you just track NW on a spreadsheet....isn't that sufficient?

...is a spreadsheet with just your NW and a breakdown of Assets/Liabilities more than enough? I feel as if I am waisting my time tracking every transaction. A spreadsheet is all I use. It just has columns for various accounts, house value, and mortgage balance. I snap a line on the first business d...
by barnaclebob
Fri Nov 02, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: What is an "advanced" investor?
Replies: 34
Views: 2567

Re: What is an "advanced" investor?

According to bogleheads, it doesn't take much to become "advanced". For most people the learning curve mostly consists of fully giving up on trying to beat the market. For me, as an engineer, it was easy. There was simply no data to suggest that experts, let alone myself, could reliably beat the mar...
by barnaclebob
Fri Nov 02, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9267

Re: no dividends in index funds!

Dividends are just something that makes you feel good, its not free money. Total return is all that matters. You can get the same result from selling shares if you need the cash.
by barnaclebob
Fri Nov 02, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 12
Views: 1971

Re: Damage caused by roofer, what are my options?

I dont see why anyone relies on the BBB as a reliable source anymore. Its been common knowledge that you can pay to improve your rating for at least a decade. It can be effective for dispute resolution in some cases however. OP, pay the money to the other company to do it right, write a bad review w...
by barnaclebob
Thu Nov 01, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling House Directly to Buyer
Replies: 28
Views: 2642

Re: Selling House Directly to Buyer

As long as you are happy with their price then it would lead to a big cost savings for both of you. The fact that she's done it before is a big plus. You'll never really know what the house would have sold for on the open market but it would need to be about 6% more than what she is offering to brea...
by barnaclebob
Wed Oct 31, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4658

Re: Am I Risking My Life to Sell My Car?

Is there any route that doesn't go above a pretty low speed, say 45mph?

Otherwise, I'd put the spare on, drive it to a nearby grocery store parking lot, then switch it back.
by barnaclebob
Wed Oct 31, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How would you proceed?--car accident
Replies: 22
Views: 1775

Re: How would you proceed?--car accident

Filing a claim for diminished value after its fixed can't hurt you.
by barnaclebob
Wed Oct 31, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt for Grandma
Replies: 32
Views: 1726

Re: Credit Card Debt for Grandma

mptfan wrote:
Wed Oct 31, 2018 12:56 pm
bloom2708 wrote:
Wed Oct 31, 2018 12:52 pm
Does mom know she will be on the hook for Grandma's CC bills?
I don't think this is true.
It might depend on what the OP means by "co-listed"
by barnaclebob
Fri Oct 26, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: How to sell a nice professional office desk?
Replies: 12
Views: 1082

Re: How to sell a nice professional office desk?

I think you'll be lucky to get more than what its worth as a tax deduction for a donation. Expensive big office furniture is a very small market. Have you tried craigslist?
by barnaclebob
Fri Oct 26, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2143

Re: House selling costs

Once you own the house, your main source of comfort will come from cash flow. What will your budget look like including 401k contributions and how much extra will you have leftover to save. What is your down payment and total mortgage? You should be able to afford the house with 200k in income. To ...
by barnaclebob
Fri Oct 26, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2143

Re: House selling costs

Once you own the house, your main source of comfort will come from cash flow. What will your budget look like including 401k contributions and how much extra will you have leftover to save. What is your down payment and total mortgage? You should be able to afford the house with 200k in income. To s...
by barnaclebob
Fri Oct 26, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: New Range
Replies: 10
Views: 1049

Re: New Range

I think all Kenmore stuff is made by other manufacturers these days. There is no possible way that consumer reports can accurately determine the long term reliability of new appliances that have only been out for a couple years unless maybe they do full tear downs and analyze everything on them. In ...
by barnaclebob
Fri Oct 26, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 2842

Re: Unplugging from Tech Tips

A good ole "back in my day" post. I wonder if similar things were said about the telephone? "You know this box can just ring at any time, interrupt dinner, and people expect you to answer, whatever happened to writing a letter and scheduling a face to face visit"
by barnaclebob
Thu Oct 25, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Who profits from day to day market swings?
Replies: 13
Views: 1380

Re: Who profits from day to day market swings?

Citadel "execute approximately 39% of all U.S.-listed retail volume" and other hedge funds https://www.citadelsecurities.com/products/equities-and-options/ They make billions just due to volatility I thought they are just making small fractions on the bid/ask spread no matter if the market goes up ...
by barnaclebob
Thu Oct 25, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 1653

Re: Insignia TV Has Black Screen

My tube TV had 20 years of use without a problem before I threw it out. But it was functionally obsolete because picture quality had improved so much in those 20 years. It may have also been a good brand. 1080P LCD TV's are probably approaching 15 years of mainstream use and are not obsolete yet as...
by barnaclebob
Thu Oct 25, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 1653

Re: Insignia TV Has Black Screen

I think Insignia is a budget brand. My near top of the line (at the time of purchase) Samsung LCD has had 10 flawless years and counting.
by barnaclebob
Thu Oct 25, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: When is moonlighting not moonlighting?
Replies: 22
Views: 1777

Re: When is moonlighting not moonlighting?

Teague wrote:
Thu Oct 25, 2018 10:50 am
2. Claim you are actually retired, popular with the FIRE folks. You are simply doing these things because you like to, but they are not really jobs. And therefore certainly not moonlighting..
I like this. Redefine work as vacation, boom, FIRE'd
by barnaclebob
Wed Oct 24, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-market trading with Merrill Edge. Newbie mistake :(
Replies: 15
Views: 1494

Re: Pre-market trading with Merrill Edge. Newbie mistake :(

Yep, don't play the game if you don't know the rules.
by barnaclebob
Wed Oct 24, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 46
Views: 4814

Re: Dental Mishap

Getting teeth pulled is certainly no fun. The first time I had it done to a baby tooth due to a cavity and it hurt really badly. The second time I had a couple teeth pulled for braces and it barely hurt at all, just the slight discomfort of having your head torqued by your mouth. The dentist was sur...
by barnaclebob
Wed Oct 24, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25618

Re: PSA: Don't buy a big house

Does anyone actually like 8 foot ceilings? I feel like I'm in a dungeon in those houses. I certainly don't mind my 8 foot ceilings and there are even beams that come down to maybe 7'6" My house is fairly unique though and you are never more than a few steps away from a window and the house has a lo...
by barnaclebob
Wed Oct 24, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Block fireplace draft
Replies: 19
Views: 1228

Re: Block fireplace draft

Cut some foam to block the flue up in the smoke shelf area if you don't want it looking like junk. Or get a wood burning insert and actually generate some heat while still looking like a fireplace vs a wood stove placed in a fireplace.
by barnaclebob
Tue Oct 23, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4811

Re: When Will Attaining Millionaire Status Be Obsolete?

Here I am. I'm 34, and if someone handed me $1 million, I'd retire right now. $143,000 of that would pay off my mortgage, leaving me with $857,000. Even at 3% SWR, that would leave me with $25,710 per year and I'm not sure what I'd do with all that money. Over $2,000/month with no mortgage to pay? ...