Search found 3205 matches

by barnaclebob
Fri Feb 15, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: any instructional designers out there
Replies: 1
Views: 54

Re: any instructional designers out there

That seems like an incredibly narrow field.
by barnaclebob
Fri Feb 15, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Nissan Slate of SUV's
Replies: 16
Views: 643

Re: Nissan Slate of SUV's

The old Pathfinders were awesome, new ones not so much due to the CVT. Stick with Toyota.
by barnaclebob
Fri Feb 15, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 23
Views: 1114

Re: Building a home

What is the total cost of the houses you are looking at? Are you talking about a development or a custom construction? I could see in some areas for new construction being cheaper if the location is worse. Personally I can't stand the style of new construction these days and would gladly pay for for...
by barnaclebob
Fri Feb 15, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: CPA Says I Need Specialist - Does this sound right?
Replies: 11
Views: 1403

Re: CPA Says I Need Specialist - Does this sound right?

Did you call it a mega backdoor roth conversion or an "after tax withdrawal and conversion to a roth IRA"?
by barnaclebob
Thu Feb 14, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car
Replies: 19
Views: 1414

Re: High Mileage Car

That's all maintenance, not repairs, pretty minor maintenance at that. Don't be afraid of suspension work, its not that hard to compress the springs. The car could die the day after you put new rubber on it or it could make it to 250k. If the engine is good I'd do it. Worst case is you are out about...
by barnaclebob
Thu Feb 14, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Need Advice on Home Sale
Replies: 15
Views: 805

Re: Need Advice on Home Sale

The earnest money was only $3K and I have a good backup offer. I signed the contract with with the agent for a 5.5% commission and I'm less concerned about the agent's interest going forward. I'm thinking agents are more concerned with damaging their relationships with other agents then they are of...
by barnaclebob
Wed Feb 13, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Need Advice on Home Sale
Replies: 15
Views: 805

Re: Need Advice on Home Sale

How much is the earnest money? You dont just get to keep it. They or a judge has to sign it over to you before the escrow company lets it go. Is it worth that fight?
by barnaclebob
Wed Feb 13, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Best site for reverse phone number lookup
Replies: 24
Views: 2272

Re: Best site for reverse phone number lookup

block your number and call them back repeatedly. make it your life's mission. :D Usually youll be calling an innocent person who has no idea whats going on. I've read stories about how someone will try to waste a scammers time so they start spoofing their number. This prompts a bunch of angry retur...
by barnaclebob
Wed Feb 13, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Best site for reverse phone number lookup
Replies: 24
Views: 2272

Re: Best site for reverse phone number lookup

Yep, a waste of time. Its scammers spoofing numbers. I get tons of calls that have the same area code and first three digits of my phone number. For example, if my number is 425-819-XXXX I'll get about 1 call a week from 425-819-YYYY. The scammers know that you are more likely to answer a call from ...
by barnaclebob
Wed Feb 13, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Can I file jointly with my girlfriend
Replies: 32
Views: 3891

Re: Can I file jointly with my girlfriend

Patrick584 wrote:
Tue Feb 12, 2019 8:18 pm
Yes, if you get married within the tax year. Great tax shelter.
How so? Usually marriage is a net increase in tax burden due to the marriage penalty.
by barnaclebob
Tue Feb 12, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing Your Own Taxes
Replies: 13
Views: 1343

Re: Preparing Your Own Taxes

You could go to form view in turbotax on past years returns so you understand how the calcs are done on the actual forms. After looking at that I'm fine with paying $55 to have the program fill it all out.
by barnaclebob
Tue Feb 12, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: separate computers for specific purposes--how many and for what?
Replies: 35
Views: 2466

Re: separate computers for specific purposes--how many and for what?

I've only ever had one computer for everything and never had problems. The main concern is what happens to your data after it leaves your computer.
by barnaclebob
Tue Feb 12, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Explain Unreimbursed Employee Expenses
Replies: 11
Views: 443

Re: Explain Unreimbursed Employee Expenses

Why would you be able to deduct the remaining cell phone bill unless the phone is used only for work? 80% already sounds like a generous reimbursement for a personal phone just used for company email. In the past these would have been considered miscellaneous deductions of some kind and you would ne...
by barnaclebob
Mon Feb 11, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard cuts expected stock market returns over the next decade]
Replies: 26
Views: 3066

Re: Vanguard Cuts Expectations

I'd like to see what all of the previous 5 year projections were and how that lined up with reality.
by barnaclebob
Mon Feb 11, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Any meal preppers? I need new dishes. [containers]
Replies: 22
Views: 1895

Re: Any meal preppers? I need new dishes.

Get some mason jars and a pressure canner. You can make shelf stable chilis, stews, and soups that taste amazing. Pop the lid, heat in the jar or in your own bowl. The glass jars would work if you are not freezing them. You can definitely freeze mason jars if you don't fill them too full and freeze ...
by barnaclebob
Mon Feb 11, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Buying house - which scenario make sense?
Replies: 6
Views: 731

Re: Buying house - which scenario make sense?

I would really try to avoid having two properties at once. There are lots of things that can go wrong and even if the best case you would be under a lot of pressure to accept a low offer on the condo. A potential buyer will see that you have moved out and figure that they can make a lower offer. Kn...
by barnaclebob
Mon Feb 11, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Buying house - which scenario make sense?
Replies: 6
Views: 731

Re: Buying house - which scenario make sense?

There are other types of loans if you want only need the money short term.

What are the gains on your portfolio or how would selling investments impact your taxes?
by barnaclebob
Sat Feb 09, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer, are my ducks in a row?
Replies: 9
Views: 816

Re: First time home buyer, are my ducks in a row?

A couple hundres ounces of silver could be worth a few grand. Whats so hard about selling it?

What form of silver is it? Eagles, bars, quarters, dimes etc?
by barnaclebob
Fri Feb 08, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Worthy of a Class Action Lawsuit? [Deceptive newspaper subscription costs]
Replies: 4
Views: 687

Re: Worthy of a Class Action Lawsuit?

Whats a newspaper?

Cancel that and move on.
by barnaclebob
Fri Feb 08, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3233

Re: Business Class to Japan

Actually, my husband does want to stop in Hong Kong. His parents lived there for 6 years. How many days do they let you be there for stop over. Can you choose? Otherwise we may fly from Japan to Hong Kong. See if there is a way to transfer to Alaska points. Alaskas mileage plan allows for free stop...
by barnaclebob
Fri Feb 08, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3233

Re: Business Class to Japan

Actually, my husband does want to stop in Hong Kong. His parents lived there for 6 years. How many days do they let you be there for stop over. Can you choose? Otherwise we may fly from Japan to Hong Kong. See if there is a way to transfer to Alaska points. Alaskas mileage plan allows for free stop...
by barnaclebob
Fri Feb 08, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3233

Re: Business Class to Japan

Actually, my husband does want to stop in Hong Kong. His parents lived there for 6 years. How many days do they let you be there for stop over. Can you choose? Otherwise we may fly from Japan to Hong Kong. See if there is a way to transfer to Alaska points. Alaskas mileage plan allows for free stop...
by barnaclebob
Fri Feb 08, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3233

Re: Business Class to Japan

I think Singapore will have the others beat for seats and service. You'll have to post the routes or decide for that by yourself. JAL might be the only nonstop as I bet most of the others stop in Singapore or Hong Kong.
by barnaclebob
Fri Feb 08, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 10575

Re: Money saving move you regret the most?

Bringing food to the airport, restaurants, public events, etc. I actually would enjoy it if my wife, friends, and colleagues were less embarrassed. You bring your own food when you go out to a restaurant? Am I reading that right? Do you also bring your own beer when you go out to a sports bar?lol Y...
by barnaclebob
Thu Feb 07, 2019 2:10 pm
Forum: Personal Investments
Topic: Sell gold krugerrand and put in Roth?
Replies: 40
Views: 1913

Re: Sell gold krugerrand and put in Roth?

Just a question out of curiousity, Is it possible to buy and possess physical gold within a Roth IRA or other retirement account?
by barnaclebob
Wed Feb 06, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2747

Re: Employer wants to borrow $50k

Lol, your husband needs a swift kick in the rear for even presenting this as more than a joke followed by him updating his resume.
by barnaclebob
Wed Feb 06, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: Investing in real estate...
Replies: 2
Views: 288

Re: Investing in real estate...

glennherwig wrote:
Wed Feb 06, 2019 1:06 pm
If rates go up your screwed.
What exactly does that mean to you?
by barnaclebob
Wed Feb 06, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Should I get a rear dashcam to deal with tailgaters?
Replies: 50
Views: 2016

Re: Should I get a rear dashcam to deal with tailgaters?

sailaway wrote:
Wed Feb 06, 2019 10:07 am
10 under is still reasonable, if not normal. Most highways post that impeding speed as 45mph.
Lol, not a chance that 10 under is reasonable.
by barnaclebob
Wed Feb 06, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Should I get a rear dashcam to deal with tailgaters?
Replies: 50
Views: 2016

Re: Should I get a rear dashcam to deal with tailgaters?

If you are getting tailgaited regularly enough to post about it on an internet forum I would guess your driving habits are to blame. My MIL complains about tailgaters while going 5 over in the carpool lane on I-5 with cars constantly passing on the right.

You don't drive a Prius by chance?
by barnaclebob
Tue Feb 05, 2019 4:19 pm
Forum: Personal Investments
Topic: New to Investing, Advice?
Replies: 12
Views: 377

Re: New to Investing, Advice?

If you have no job then you should not be investing in the market. Your best investment of your money should be in yourself through education and skills training. They are a student with some extra cash lying around, not someone with a mortgage and a car loan who has been laid off. Its fine to inve...
by barnaclebob
Tue Feb 05, 2019 2:46 pm
Forum: Personal Investments
Topic: New to Investing, Advice?
Replies: 12
Views: 377

Re: New to Investing, Advice?

I presume you dont "need" this money for any specific purpose. If so, I'd just park it in an SP500 ETF, vanguards ticker symbol is VOO. If you are lucky it might be worth $1500 by the time you graduate. If you have a job you could also put it in a roth IRA. Don't day trade or invest in crypto, pot s...
by barnaclebob
Mon Feb 04, 2019 5:00 pm
Forum: Investing - Theory, News & General
Topic: Has anyone invested in Dubai real estate?
Replies: 23
Views: 2321

Re: Has anyone invested in Dubai real estate?

What real estate would you invest in? I dont understand buying apartments there as an investment when they can just keep building new ones.
by barnaclebob
Mon Feb 04, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help for friend who makes lots of mistakes.
Replies: 24
Views: 2186

Re: Help for friend who makes lots of mistakes.

You cant help those who wont help themselves.

But tell her to go to fidelity. They have neighborhood offices and might put her in index funds.
by barnaclebob
Fri Feb 01, 2019 2:55 pm
Forum: Investing - Theory, News & General
Topic: Dividends grow by 'double compounding'?
Replies: 15
Views: 1481

Re: Dividends grow by 'double compounding'?

No, this is just another way to spin "total return"
by barnaclebob
Fri Feb 01, 2019 2:10 pm
Forum: Personal Investments
Topic: Windfall advice needed
Replies: 10
Views: 779

Re: Windfall advice needed

Is this a major portion of your retirement strategy or just a nice cushion? If it were a majority I would Dollar cost average into the market over a period of a year or two. Maybe put half of whats out of the market, into the market every 6 months or quarter. If its just a nice cushion, toss it all ...
by barnaclebob
Fri Feb 01, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone using https://www.maxmyinterest.com?
Replies: 10
Views: 1010

Re: Anyone using https://www.maxmyinterest.com?

If I were her, as a high net worth individual, Id be concerned that my Financial advisor was subcontracting out his responsibilities at the cost of .08% per year. Why can't the FA find accounts that are within .08% of the max available? Also in the FAQ they say they "attempt" to gather all of your ...
by barnaclebob
Fri Feb 01, 2019 12:00 pm
Forum: Non-US Investing
Topic: An investment that never loses money [Malaysia]
Replies: 13
Views: 2266

Re: An investment that never loses money

Dividends aren't free money. 8% dividend does not mean an automatic 8% return.
by barnaclebob
Fri Feb 01, 2019 11:49 am
Forum: Personal Investments
Topic: Making a 3.8 million deposit
Replies: 96
Views: 10406

Re: Making a 3.8 million deposit

5 years is a long time to lock up the money. I wouldn't go for a CD of that length. You would definitely get regular distributions from Vanguard funds ( or just about any other "normal" mutual fund) if you set the dividends to pay out to cash. Depending on the fund it could be monthly (most bond fun...
by barnaclebob
Fri Feb 01, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using https://www.maxmyinterest.com?
Replies: 10
Views: 1010

Re: Anyone using https://www.maxmyinterest.com?

Thanks for your thoughts about money bouncing around. It brings to mind some other possible issues. I'm curious if it complicates taxes (multiple 1099). Are there any other hidden hassles. For example, is it easy to transfer a bigger lump sum if needed? How long it takes, etc etc etc. It is seemles...
by barnaclebob
Fri Feb 01, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using https://www.maxmyinterest.com?
Replies: 10
Views: 1010

Re: Anyone using https://www.maxmyinterest.com?

Seems like a lot of risk and trouble to get another few tenths of a percent of a small portion of my portfolio. Id be very weary of my money bouncing around.

Also their max advertised rate is no better than the Vanguard Prime MM right now.
by barnaclebob
Fri Feb 01, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: It was a dip. Did you notice? The December drop is over.
Replies: 96
Views: 11628

Re: It was a dip. Did you notice? The December drop is over.

There was no dip. There was a downturn that started in early October. The market will need to recover before you can call it a dip. Do think every little uptick during a downturn should be called a "dip"? I dont know about you but my portfolio has recovered. Its at an all time high as of COB yester...
by barnaclebob
Fri Feb 01, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 41
Views: 1890

Re: Need Objective Mattresses Ratings and Reviews

Your best bet is spending about a month on the bogleheads of mattresses: https://www.themattressunderground.com/mattress-forum.html or just pick an online place, try it, if you dont like it return it. You are correct to be weary of online mattress reviews. Previous mattress threads hear have linked ...
by barnaclebob
Thu Jan 31, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: 5 days in Hong Kong - Seeking travel tips
Replies: 15
Views: 1053

Re: 5 days in Hong Kong - Seeking travel tips

Go watch the horse races in the city at night. It's cheap for tourists and fun to watch even if you don't bet.
by barnaclebob
Thu Jan 31, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: How has your saving strategy changed over time?
Replies: 14
Views: 1321

Re: How has your saving strategy changed over time?

We've never really kept a budget, just tried to keep expenses constant and not buy stuff thats not really important. Here's our phases: Phase 1, 2007-2009: I save everything in a money market while wife finished college to save for a down payment Event 1, 2009: Buy house taking my liquid assets to $...
by barnaclebob
Thu Jan 31, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Have you received more tax refund than reported?
Replies: 11
Views: 784

Re: Have you received more tax refund than reported?

Wow - great stories - and everyone portrays the IRS as evil - look at them giving people more money than they asked for! The one time i had to call the IRS hotline for something it was during tax season. I was speaking to a real person within 5 minutes and they were very helpful. I was pretty surpr...
by barnaclebob
Thu Jan 31, 2019 2:51 pm
Forum: Personal Investments
Topic: VEMAX + VTMGX or just VTIAX or VFWAX?
Replies: 10
Views: 470

Re: VEMAX + VTMGX or just VTIAX or VFWAX?

Just dont go with VEGEMITE
by barnaclebob
Thu Jan 31, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Have you received more tax refund than reported?
Replies: 11
Views: 784

Re: Have you received more tax refund than reported?

My Father in law did. He still does taxes by hand and didn't know about the "making work pay" credit in the 2010 time frame. The IRS sent him a letter saying his refund would be more than expected because they applied this credit to his return.
by barnaclebob
Thu Jan 31, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: General Question on Mortgage Payments
Replies: 4
Views: 339

Re: General Question on Mortgage Payments

For a 30k Roth, its really mostly depends on personal preference if you know you need to spend it. If you plan on leaving money to heirs though, a roth is the best thing to leave them.
by barnaclebob
Thu Jan 31, 2019 11:58 am
Forum: Personal Investments
Topic: 30 YO 2 Million to Invest
Replies: 56
Views: 6696

Re: 30 YO 2 Million to Invest

A 3 fund or lazy portfolio works just as well for 100k as 10mil for many people. What are some of your other long/medium term goals as that can influence your asset allocation. 2 mil is a lot of money but for it to last the rest of your lives you'll probably need to live fairly frugally. Especially ...