Search found 4106 matches

by barnaclebob
Fri Sep 18, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 41
Views: 1555

Re: Ring for a new girlfriend

I dont think brand is very important to the average person when it comes to jewlery. Style is most important and you know your GF better than us. My wife liked her large 18 carat emerald cut amethyst ring until a tweaker robbed our house. Something like that is clearly a fashion ring and cant be con...
by barnaclebob
Fri Sep 18, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: OLD papers
Replies: 21
Views: 1075

Re: OLD papers

Just dump it in the recycle. Nobody is going through your trash and it wont have the information needed to do anything to your accounts anyway. Nearly all identity theft is done electronically. Often there will be "shredding events" at banks or other institutions where they will bring in an industri...
by barnaclebob
Thu Sep 17, 2020 12:10 pm
Forum: Investing - Theory, News & General
Topic: StartEngine Crowdfunding
Replies: 1
Views: 151

Re: StartEngine Crowdfunding

Given the amount of tricks that companies can do with dilution, additional funding rounds etc, I wouldn't touch this with a 100ft pole.

If you want to throw a few bones at some idea altruistically, go for it. But don't expect to ever see your money back.
by barnaclebob
Thu Sep 17, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12390

Re: Is this guy trying to scam me on a car I'm selling?

I've never heard of someone offering over asking price for a car. Maybe a house in a hot market. People will offer over asking for the kind of boat I bought. Its because they are very popular on the secondary market and fairly often they come up on Craigslist mispriced too low by sellers. The selle...
by barnaclebob
Wed Sep 16, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12390

Re: Is this guy trying to scam me on a car I'm selling?

Meet outside a police station. He gives you 13k in cash. He gets signed title and keys to the car. You both part ways. Bet he will have an excuse why that won't work for him. Unless hes got a decent source for fake $100 bills. When OP goes back to the police station they probably wont even look at ...
by barnaclebob
Wed Sep 16, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12390

Re: Is this guy trying to scam me on a car I'm selling?

How did you see this playing out....the sale of your vehicle on Facebook? I bought my last vehicle private-sale off a Facebook listing. Great transaction with great people. The way I see it, there's a decent chance a private seller will try to rip me off -- whereas there's a GUARANTEE that the deal...
by barnaclebob
Wed Sep 16, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Building a house and builder screwed up exterior paint horribly
Replies: 102
Views: 5841

Re: Building a house and builder screwed up exterior paint horribly

Like someone else said, the only way its his fault is if the paint he used does not match the color you approved. It does not matter if it looks different now that the whole house is painted. The pictures you provided do not make it clear if he painted it the same color that you approved.
by barnaclebob
Thu Sep 10, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Butcher Box
Replies: 26
Views: 4433

Re: Butcher Box

Unless the meat in the box is USDA graded you are probably not getting high quality cuts. Most people don't know what a good steak looks like and the one that is on the front page of their website is terrible looking, zero marbling. I'm also skeptical of the "heritage pork" claim. Marbling has noth...
by barnaclebob
Thu Sep 10, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Wood burning inserts
Replies: 21
Views: 1457

Re: Wood burning inserts

I'll second the advice to have wood split and stacked at least a year out, maybe 3 if its oak and you make big splits. Its absolutely critical to have dry wood (sub 20% moisture content). You'll also more than likely need to install a stainless steel liner in your chimney which will probably cost ar...
by barnaclebob
Thu Sep 10, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Miele Appliances for New Build Condo
Replies: 32
Views: 1680

Re: Miele Appliances for New Build Condo

I have a Miele dual fuel range. The oven is amazing, cooktop not so much. The reason is that the rate at which you turn the dial does not always correspond to an increase in flame power. In the middle range (where most cooking is done) there are serious lags when transitioning from the lower power b...
by barnaclebob
Tue Sep 08, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Butcher Box
Replies: 26
Views: 4433

Re: Butcher Box

If you aren't buying your meat from a person who actually cares for the animals they sell then its not equivalent to the farmers markets in my area.
by barnaclebob
Fri Sep 04, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Starting to look for new house
Replies: 17
Views: 1804

Re: Starting to look for new house

How much equity do you have? You may be able to take out a HELOC to cover the down payment on the new house. When the old house sells then pay it off. The HELOC method may cost you a few grand in closing/interest but thats small potatoes in the grand scheme of things if it allows you to get the hous...
by barnaclebob
Thu Sep 03, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: Credit Card Charge Dispute Who Generally Prevails?
Replies: 51
Views: 3658

Re: Credit Card Charge Dispute Who Generally Prevails?

I think my record is 2 and 1. The 1 was because they callede back but my voicemail wasnt setup so i didnt get to plead my case.
by barnaclebob
Wed Sep 02, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: How much to take down this tree?
Replies: 71
Views: 5269

Re: How much to take down this tree?

The thing is, the limbs over the garage are 6-8 feet off the roof and are 6-8 inches in diameter. I'd basically have to cut 6 inches at a time and even those chunks are going to be 15-20 pounds falling on the roof. Free old matress on craigslist? A couple sheets of 5/8"+ plywood would also probably...
by barnaclebob
Wed Sep 02, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: Where is the joy ? How long can this joyless ride last ?
Replies: 66
Views: 6724

Re: Where is the joy ? How long can this joyless ride last ?

People have been making nervous posts about all time market highs for a long long time here.
by barnaclebob
Wed Sep 02, 2020 9:34 am
Forum: Personal Investments
Topic: Husband doesn’t want to follow my investment plan
Replies: 47
Views: 4842

Re: Husband doesn’t want to follow my investment plan

That was part of the argument. He had wanted to sell in Feb when he saw COVID approaching. So I was 'wrong' that time. In any case, we won't be poor and all will be well. Selling is often the easy decision. When would he have thrown it back in? I think the low point and much of the recovery was whe...
by barnaclebob
Fri Aug 28, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7062

Re: "Hobby" Money: Planes, cars, boats etc...

OP, one thing that made me realize it was ok to try out boating is that my wife and i just said, ok lets give this a try. If it doesnt work out or our lifestyle changes we can sell the boat, be out several thousand dollars, have some great memories, and the itch will be scratched. No regrets. With a...
by barnaclebob
Fri Aug 28, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7062

Re: "Hobby" Money: Planes, cars, boats etc...

Just purchased a 19' Arima which is a fully capable puget sound/light ocean conditions fishing boat. We are on the water for about 16.5k, the motor is from 2012 and has over half its life left. Marina storage will be $300/month, fuel/oil will probably average $100/month, DIY maintenance $50/month, a...
by barnaclebob
Fri Aug 28, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Lead paint and house offer accepted
Replies: 47
Views: 3469

Re: Lead paint and house offer accepted

If you are worried about lead, dont buy an old house. It will be there unless its been taken down to the studs at some point.
by barnaclebob
Thu Aug 27, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: $40k Hardwood Floors Gone Wrong - Help!
Replies: 43
Views: 4825

Re: $40k Hardwood Floors Gone Wrong - Help!

Install the 10% matching once it arrives, pay your installer - tell them its been a hell of a ride but thank them for all their help. Accept any consolation prize from the flooring OEM however if you like what you have its time to move on to more important things in life. Offer to write a nice onli...
by barnaclebob
Tue Aug 25, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: Dreaming of an over-water (or near water) bungalow vacation
Replies: 6
Views: 684

Re: Dreaming of an over-water (or near water) bungalow vacation

Pretty much any overwater bungalow resorts will be westernized. We stayed at Meeru island in the maldives for our honeymoon and it was a lot of fun. There are much higher end options though.
by barnaclebob
Mon Aug 24, 2020 9:29 am
Forum: Personal Investments
Topic: Suggestions for 100x moonshots
Replies: 71
Views: 8627

Re: Suggestions for 100x moonshots

I have a very bogleheadian portfolio. Mostly VTSAX (or FSKAX) and recently venturing into the other 2 legs of the 3 fund portfolio. However, I do have a "play money" account which is at present about 4% of my investible assets (and 2% of NW). I have had some success with this play money. But nothin...
by barnaclebob
Thu Aug 20, 2020 5:02 pm
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 4771

Re: How often are you adding to taxable accounts?

You're describing savings. I personally don't see the point in distinguishing between EF and savings, but some might want separate "buckets". Thread is about taxable investments...ETFs are not savings. Thats just semantics. All of my money is "savings". Some of it is in accounts that are favorable ...
by barnaclebob
Thu Aug 20, 2020 12:07 pm
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 4771

Re: How often are you adding to taxable accounts?

After your Emergency Fund is in place as it should be, and you've maxed out all of your tax-advantaged accounts (e.g. $57,000/year taking full advantage of mega backdoor Roth). Only then does taxable make any sense. Taxable makes sense to me - I’m only 30, and I might want to be able to buy some st...
by barnaclebob
Thu Aug 20, 2020 12:04 pm
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 4771

Re: How often are you adding to taxable accounts?

After your Emergency Fund is in place as it should be, and you've maxed out all of your tax-advantaged accounts (e.g. $57,000/year taking full advantage of mega backdoor Roth). Only then does taxable make any sense. Taxable makes sense to me - I’m only 30, and I might want to be able to buy some st...
by barnaclebob
Wed Aug 19, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6105

Re: Thinking of moving Seattle or Vancouver, WA

Seattle (or at least north suburbs) Protip: Live near the water, like within a quarter mile or less. Not only might you have a view but the weather is much better than just a little bit inland and a few hundred feet higher in elevation. The air hits land and is forced upwards where more precipitatio...
by barnaclebob
Wed Aug 19, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Farmed Atlantic salmon and toxic chemicals in fish feed
Replies: 62
Views: 4227

Re: Farmed Atlantic salmon and toxic chemicals in fish feed

I remember reading this in the Costco Connection magazine a little while back... it made me feel much better about eating the Costco salmon. http://www.costcoconnection.com/connection/201902/MobilePagedArticle.action?articleId=1461267#articleId1461267 Edward Jones writes plenty of articles too...
by barnaclebob
Tue Aug 18, 2020 4:42 pm
Forum: Investing - Theory, News & General
Topic: Advice to a Millennial about nest egg "Critical Mass"
Replies: 150
Views: 16803

Re: Advice to a Millennial about nest egg "Critical Mass"

It still is possible to spend one's career in a secure job, as I did teaching middle school. The salary wasn't that high compared to less secure jobs, but I dutifully followed the philosophy of this forum and lived below my means while also salting away the max I could in my IRA. This is still poss...
by barnaclebob
Tue Aug 18, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Where to find a quality, lower cost muscle car
Replies: 92
Views: 5655

Re: Where to find a quality, lower cost muscle car

Are you planning to track the car? If not, your power needs may be satisfied by a used Tesla. You'd have to research price/maintenance costs, but my guess is the overall costs will be much better with the Tesla. https://www.youtube.com/watch?v=NfZQrKaK-Z8 Teslas on a track??? For one lap with a 30 ...
by barnaclebob
Tue Aug 18, 2020 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 66
Views: 12410

Re: Vanguard Flagship Services -- Another One Bites the Dust

Reading through this thread the information might be outdated. I have been in the Flagship program managed with an advisor since March 2020. It is not the 4 fund approach. It is 14 funds that make up my portfolio. I am an aggressive 60 YO investor at 60/40 stocks to bonds ratio. I have only been tr...
by barnaclebob
Fri Aug 14, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Driving Boston to Nashville
Replies: 51
Views: 2575

Re: Driving Boston to Nashville

I'll just say it doesnt take very much traffic to cancel out 40 miles of extra distance.

Have you used the feature on google maps where you can define a start time or desired arrival time and it will adjust your route based on that? Not sure if its still as accurate due to the pandemic.
by barnaclebob
Fri Aug 14, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate agent - breach of fiduciary duty
Replies: 27
Views: 3102

Re: Real estate agent - breach of fiduciary duty

Apparently having the buyer and seller communicate directly is a big no-no and even has potential legal pitfalls. What is an example of such a pitfall? An email from the seller to the buyer saying "dont worry the basement wont get water in it" or "Dont worry, the roof easily has 10 years left on it...
by barnaclebob
Fri Aug 14, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15244

Re: Products that last forever

KitchenAid mixer. So long as you only make 1 loaf of bread per year or it was purchased a couple decades ago. It was purchased many years ago - late 80's. And we use it about twice a week. Why - has the quality changed? Yep, early kitchen aids were rebranded Hobarts and very good. At least by the 2...
by barnaclebob
Thu Aug 13, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15244

Re: Products that last forever

Luke Duke wrote: Thu Aug 13, 2020 4:08 pm I don't have one, but I'd imagine that the $50 Yeti bottle opener could be passed down for about 10 generations

Image
So could many $2 bottle openers.
by barnaclebob
Thu Aug 13, 2020 1:38 pm
Forum: Personal Investments
Topic: Anyone using crypto exchanges to earn higher interest on their cash?
Replies: 79
Views: 6175

Re: Anyone using crypto exchanges to earn higher interest on their cash?

I've put some money into AnchorUSD. They say they offer "upto 8%" in interest on the first $5,000 you invest. It looked reasonably reliable to me: - https://www.anchorusd.com/ - https://www.investopedia.com/news/ibm-launches-stablecoin-backed-fdicinsured-banks/. I figure that in the very worst case...
by barnaclebob
Thu Aug 13, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15244

Re: Products that last forever

retire57 wrote: Thu Aug 13, 2020 7:17 am KitchenAid mixer.
So long as you only make 1 loaf of bread per year or it was purchased a couple decades ago.
by barnaclebob
Tue Aug 11, 2020 8:37 am
Forum: Personal Investments
Topic: Anyone using crypto exchanges to earn higher interest on their cash?
Replies: 79
Views: 6175

Re: Anyone using crypto exchanges to earn higher interest on their cash?

I've put some money into AnchorUSD. They say they offer "upto 8%" in interest on the first $5,000 you invest. It looked reasonably reliable to me: - https://www.anchorusd.com/ - https://www.investopedia.com/news/ibm-launches-stablecoin-backed-fdicinsured-banks/. I figure that in the very worst case...
by barnaclebob
Mon Aug 10, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: tips for frozen food during power outage
Replies: 37
Views: 2589

Re: tips for frozen food during power outage

Cubes of iron/steel actually work better because they are denser than ice. I'm not sure this is correct since the specific heat of water is higher than most other substances. In addition, if you are going from solid ice to liquid water, there is the latent heat in addition to specific heat. The lat...
by barnaclebob
Fri Aug 07, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: You cant time the market...but, can you use the data to support your timing?
Replies: 31
Views: 2394

Re: You cant time the market...but, can you use the data to support your timing?

Its not enough to "know" that the market will decrease in value. You have to know when it will decrease AND how much it will decrease. When the market crashed a few months ago there were many many people here saying they went to cash or bonds. Its been crickets from them since then. There has NEVER ...
by barnaclebob
Fri Aug 07, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth the House Upgrade
Replies: 39
Views: 2911

Re: Is it worth the House Upgrade

Money is not an issue. My worry is the girls are young now and in the future Girls might want their own room when they grow up. Iam concerned that losing 20k on commissions we only gain 600 sq ft with all the additional pain of moving. I don’t want to go Higher in ILLinois property taxes are bad. I...
by barnaclebob
Fri Aug 07, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Setting up a Universal Basic Income(UBI)
Replies: 42
Views: 3465

Re: Setting up a Universal Basic Income(UBI)

Regular savings/investment are taxed twice: you pay taxes on the income, and then you pay taxes on the capital gains. The capital gains are smaller because you start with a taxable amount. Source: I am a college economics professor. Being taxed at two different times, for different dollars, is in n...
by barnaclebob
Fri Aug 07, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Better to pay prepaid out of pocket or roll into the loan?
Replies: 8
Views: 546

Re: Better to pay prepaid out of pocket or roll into the loan?

Im rolling 10k worth of prepaids and closing closts into my refi. When i get the checks for my current escrow account and overpayments on the previous loan ill just plunk them back into the loan. I may end up 1 or 2 k behind where i was but the reduced interest will make that up quick enough.
by barnaclebob
Thu Aug 06, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with *almost* 100% down
Replies: 28
Views: 2885

Re: Buying a house with *almost* 100% down

delamer wrote: Thu Aug 06, 2020 10:03 am Take out a larger mortgage without prepayment penalties and then pay off a big chunk of it within a couple months.
That doesnt solve the problem of closing costs effectively making the APR much higher.
by barnaclebob
Tue Aug 04, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing advice please
Replies: 7
Views: 465

Re: refinance suggestion

With a balance that small I dont think you would ever break even. Refi might save you $25 to $50 per month. "free" refis typically come at the expense of worse than market interest rates but if its lower than what you have now I guess there is no reason not to. Personally I wouldn't look into a refi...
by barnaclebob
Tue Aug 04, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: car motion sickness - remedies
Replies: 6
Views: 352

Re: car motion sickness - remedies

unclescrooge wrote: Tue Aug 04, 2020 9:41 am My mom has this wrist band that apparently helps with her motion sickness.

It could also be a placebo.
It is definitely a placebo.
by barnaclebob
Tue Aug 04, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: car motion sickness - remedies
Replies: 6
Views: 352

Re: car motion sickness - remedies

The prescription patch (transderm scop) works wonders for sea sickness (~30ft boat 6-7ft swells) but does give me pretty bad drymouth. Lifesavers help with the drymouth. This would be for long road trips vs every day usage.

Less "severe" options are candied ginger or dramamine.
by barnaclebob
Mon Aug 03, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Chimney Damper Open Slightly - Why?
Replies: 6
Views: 603

Re: Chimney Damper Open Slightly - Why?

The only reason i can think of to keep it open is if they were getting slight downdrafts and smokey smells when it was fully closed. Try closing it all the way and see if you notice any difference.
by barnaclebob
Mon Aug 03, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3567

Re: best mesh wifi system on the market?

We are very happy with our google mesh system.
by barnaclebob
Fri Jul 31, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can a (mortgage) lender do this? [prepayment question]
Replies: 10
Views: 1235

Re: Can a (mortgage) lender do this?

Mr. Cooper had great customer service when my loan was being serviced by them so call for clarification. But I think you are confusing partial payment of a monthly payment and prepayment of additional principle. If I remember right, when you go to make a one time payment you can select for the next ...