Search found 2699 matches

by barnaclebob
Fri Jul 20, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 19
Views: 1538

Re: The other side of stock buybacks

Don’t we Bogleheads always tell people to sell their shares as soon as they vest? Then why should it be any different for CEOs? Bingo. I guess CEOs aren’t allowed to be Bogleheads. My wife is down a level or two from CEO; is she allowed to sell on vesting? Sheesh! Seems like it could be a good argu...
by barnaclebob
Fri Jul 20, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 74
Views: 2916

Re: Should I Dump a Pile of Money on Young Son?

I wish my parents would do something like that for me and it sounds like your son is plenty responsible. I wouldn't put any stipulations on it like wait for us to die. Tell him its intended to help with large life expenses like college for his eventual kids, buying a house etc. Worst case if he blow...
by barnaclebob
Fri Jul 20, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: unripe fruit on a branch that has fallen off the tree
Replies: 5
Views: 432

Re: unripe fruit on a branch that has fallen off the tree

it probably depends on how close it is to being ripe but I'd probably give it a shot and see what happens. I wouldn't hold my breath because I'm pretty sure most of the water and energy that goes into the fruit comes from the tree so it would need to be a pretty large branch to have any hope. We hav...
by barnaclebob
Thu Jul 19, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 16
Views: 846

Re: Laminate Floor making 'popping' noise

Maybe an oscillating tool would let you trim the edges while its still in place? It will be hard to get super clean edges with this, I'm not sure if it would be under trim.
by barnaclebob
Thu Jul 19, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Another can I afford it question
Replies: 8
Views: 883

Re: Another can I afford it question

Easily. This kind of calc is pretty easy. How much are you saving per month now vs how much extra will the new house cost per month. If your savings after the new increased costs are still comfortable then you are good.
by barnaclebob
Thu Jul 19, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2165

Re: What is the most severe hyperbolic discounting you have ever acted on?

Isn't the biggest situation most of us will have to deal with hyperbolic discounting is whether to take social security early or not?
by barnaclebob
Thu Jul 19, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 84
Views: 2715

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

Nissanzx1 wrote:
Thu Jul 19, 2018 11:50 am
She has three collectible watches herself (about $15K worth), but she honestly prefers her $100 Citizen.
Did you buy them for her? This reminds me of the Simpsons episode where Homer buys Marge a bowling ball but gets his name engraved on it.
by barnaclebob
Thu Jul 19, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 84
Views: 2715

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

Is $80k what you paid for the watches or what they would actually sell for? That rate of spending is very unreasonable given your income and savings levels. These watches will and have taken years if not a decade from your retirement. Definitely don't buy more but you don't necessarily need to sell ...
by barnaclebob
Thu Jul 19, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Can churning negatively affect getting a good mortgage rate?
Replies: 19
Views: 1089

Re: Can churning negatively affect getting a good mortgage rate?

Yes, churning definitely affects your credit score and likely to the negative because your average account history length will be very short and your credit limit vs your income will be very high. Add in the fact that you have a lot of inquiries and you get a score in the low 700's instead of the mi...
by barnaclebob
Wed Jul 18, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 61
Views: 3496

Re: Buy a vacation home while renting

If I only did maintenance at my house one weekend a month, I'd be spending most of the weekend doing maintenance. Two weekends a month would be the minimum for this to make sense and even then the feeling of "having" to use the place to get your moneys worth becomes a mental trap. Everything you own...
by barnaclebob
Tue Jul 17, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2622

Re: Would you pay $120 for a 5 year dishwasher warranty?

I wouldn't for a dishwasher which I can most likely repair myself but I did get one for a fridge I just bought and I am very against extended warranties. The fridge (an LG), like most fridges, gets terrible reviews for compressor failures and the warranty was only $220 for a $2000 fridge bought at 3...
by barnaclebob
Mon Jul 16, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1516

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

Spend the money for a Salmon fishing charter. Try and book a 6 man boat or less but I don't know if they have the big 20 person boats up there like they do in WA.
by barnaclebob
Fri Jul 13, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9451

Re: When does frugal cross the line to cheapskate?

You become a cheapskate when you shift the burden of your frugality onto others.
by barnaclebob
Fri Jul 13, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Accessible Cash
Replies: 13
Views: 940

Re: Accessible Cash

If the system is shut down then it will be a gong show for everyone. The meat in my freezer will be my cash. If the electrical grid shuts down I'll start pressure canning it...
by barnaclebob
Fri Jul 13, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3241

Re: Bounced check

You are outsmarting yourself. What does two checking accounts protect against? Use a bank that will have your money replaced fast if the account is drained by fraud. Thanks for the comment. My thought is that the account number can be misused by something such as printing checks. So for places (sma...
by barnaclebob
Fri Jul 13, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3241

Re: Bounced check

You are outsmarting yourself. What does two checking accounts protect against? Use a bank that will have your money replaced fast if the account is drained by fraud.
by barnaclebob
Thu Jul 12, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 6483

Re: Costco Membership

How about going to lenscrafters and buying the protection plan? Last time I was there which was a few years ago it covers breakage. The employee flat out told me that I could get it and just before it expires *air quotes* accidentally break them and get new ones. It does not cover loss though. I tho...
by barnaclebob
Wed Jul 11, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 3793

Re: Neighbor's drainage issue causing problems

I gotta say, I would have cleaned that out at the first sign of flooding even if it was on their property. It was very obvious that it was clogged. Not worth flooding my basement for 5 min of work. I don't really care if its their responsibility. Don't bring up some kind of liability because nobody ...
by barnaclebob
Wed Jul 11, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2066

Re: Tool cabinets?

I'm happy with this box but it was only $500 delivered when I bought it in 2014: https://www.amazon.com/gp/product/B00AC ... UTF8&psc=1

I've got the drawers loaded up pretty heavy and the shelves still work great and the castors roll smoothly.
by barnaclebob
Wed Jul 11, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2850

Re: Rodents ate my car, and my insurance is ripping me off!

I have heard tell of companies aggressively persecuting consumers who dared name them in negative posts. Not interested in opening that can of worms. You have heard wrong. A few sensationalist news articles doesn't mean you can't tell the truth. Different insurance companies have different levers t...
by barnaclebob
Wed Jul 11, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 10021

Re: Six stocks make up 98% of S&P 500 gains in 2018

https://www.cnbc.com/2018/07/10/amazon-netflix-and-microsoft-hold-most-of-the-markets-gain-in-2018.html Amazon Netflix Microsoft Apple Facebook Alphabet My thoughts are 1. Weak breadth can signify a market correction or worse 2. A declining cumulative A/D line likewise, but I don't know how to find...
by barnaclebob
Wed Jul 11, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 35
Views: 2741

Re: Thought on replacing roof before sale?

Follow up: We where all set to just "live with it" and deal with the replacement in sale negotiations. I even hosed the roof down with never rinse and its starting to look better :) Then we had a big thunderstorm and it leaked during rain :( So now its appearing that I will have to bite the bullet ...
by barnaclebob
Tue Jul 10, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3226

Re: Masterbath Remodel - Tub or No Tub ?

Get rid of the tub. Hardly anybody uses them and a big shower is awesome. Luckily the previous owner put both in their master bath reno on my house...
by barnaclebob
Tue Jul 10, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8330

Re: Amazon won't sell this book to me.

This is a zero sum game. Whatever adds to Amazon's profits subtracts from the consumer pockets. Wherever Amazon stock price reflects its clever marketing, the price of other stocks in your index fund reflects the sales they have NOT made because of Amazon. Victoria Its not zero sum. If amazon can m...
by barnaclebob
Tue Jul 10, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 2950

Re: Management at Megacorp

Thank you for the advise! I now realized I left off some details. -Raise would be 7% going into management. It would take my 8-5 job and turn it into 100% on call all the time, with expectations to work 10-15 hours on the weekends, and a few hours every night at home. These are sacrifices I'd be wi...
by barnaclebob
Tue Jul 10, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2850

Re: Rodents ate my car, and my insurance is ripping me off!

Does you insurance have a list of approved mechanics? Generally when you go that route there will be few problems with reimbursement. They said nothing about approved mechanics, but explicitly mentioned I could take it to any shop I wanted. Then it sounds like you have a shady insurance provider an...
by barnaclebob
Tue Jul 10, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 3775

Re: Flooring for New House

I will never have hardwood flooring in the kitchen. We have friends that do.....and they have grand kids. Those little tykes have spilled Koolaid, milk, etc. in the kitchen. That stuff gets under the flooring and now.............they have ants.....lots of them. Then something is wrong with the inst...
by barnaclebob
Mon Jul 09, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2077

Re: Neighbor’s Contractor Damaged Adjoining Property

If my contractor damaged a neighbors property they wouldn't be fully paid until it was fixed. I'd rather have a contractor pissed at me than my neighbor. Maybe your friends neighbor will have that attitude. From the other perspective, the amount of damage also needs to be taken into account. Did the...
by barnaclebob
Mon Jul 09, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 3775

Re: Flooring for New House

Nothing beats real wood for looks and feel.
by barnaclebob
Mon Jul 09, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2850

Re: Rodents ate my car, and my insurance is ripping me off!

Does you insurance have a list of approved mechanics? Generally when you go that route there will be few problems with reimbursement.
by barnaclebob
Mon Jul 09, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5195

Re: Should I take a $60k paycut to work 4days/week

Id almost definitely take the 4 day week. 50% more time off and you still make a ton of money.
by barnaclebob
Mon Jul 09, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Moving Tip and Ideas?
Replies: 23
Views: 1342

Re: Moving Tip and Ideas?

How hot is the market? Our house was completely empty and sold at the top of the market in 3 days. No staging needed, just a nice clean house. For a full house move, pay for good movers that will come in inventory your stuff before giving you an estimate. We used cut rate "two guys and a truck" type...
by barnaclebob
Mon Jul 09, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5195

Re: Should I take a $60k paycut to work 4days/week

I don't know how anyone above could give an answer without you saying how much you would still be making and what your expenses are.

Going from 150k to 90k is way different than going from 300k to 240k.
by barnaclebob
Fri Jul 06, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Repair car, new or rent for cross country trip
Replies: 13
Views: 677

Re: Repair car, new or rent for cross country trip

I always rent a minivan for road trips even when nothing is wrong with our cars. Let someone else worry about the extra mileage and wear and tear. Long trips put about the least possible amount of wear and tear on a car per mile. I guarantee that cost doesn't work out in your favor. Now if the mini...
by barnaclebob
Fri Jul 06, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Repair car, new or rent for cross country trip
Replies: 13
Views: 677

Re: Repair car, new or rent for cross country trip

Replacing a 5 year old honda because of what might be (don't trust the dealer) bent rims would be insane. Did you hit a big curb or something?
by barnaclebob
Thu Jul 05, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4046

Re: Is there a current car without a console between the front seats?

How often does this cat have to go to the vet? Is it really that big of an issue to put it in the passenger seat using the passenger door and then walk around to the driver door?
by barnaclebob
Thu Jul 05, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Cannot install hardwood on curved floor?
Replies: 15
Views: 1197

Re: Cannot install hardwood on curved floor?

Call real hardwood installers.
by barnaclebob
Tue Jul 03, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 2840

Re: How Not to be a Slave to my Wood Deck?

Do nothing. See what happens. I have a Colorado deck, 10x20. About twenty years old. Redwood planks. I tried the various treatmen methods. Lots of work. Does not last. Then I left it be. Has been fine since. Is silver gray. All the deck treatments have worn away. Every year I....hmmm, do nothing. S...
by barnaclebob
Tue Jul 03, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3298

Re: How do I fix my heating bill?

I would look into a wood stove or fireplace insert. New ones burn pretty cleanly and you can get 12-24 hour burn times depending on the model and wood.
by barnaclebob
Tue Jul 03, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 2840

Re: How Not to be a Slave to my Wood Deck?

Never use a film forming product. Garaunteed to peel. I used a product called One Time Wood on my last wooden deck and would definitely use it again. The verticals looked great after 7 years but the horizontals needed a new treatement of it. Location is the Pacific Northwest and the deck had a mix o...
by barnaclebob
Tue Jun 26, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 5879

Re: Timing exit from megacorp

Do whats best for you. If you are afraid your megacorp will screw you over because you have announced your intent to retire then don't announce it until you have the money in your account. Give them a month notice or whatever is typical if you are feeling generous.
by barnaclebob
Tue Jun 26, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2136

Re: Reason for Airlines horrible ticket policy

If all tickets were refundable and easy to change then costs would be huge because passengers would be changing all the time. I'll take my cheap restrictive tickets and pay a couple hundred extra for refundable in the rare event its needed. Southwest allows no-fee itinerary changes but its fares co...
by barnaclebob
Tue Jun 26, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2136

Re: Reason for Airlines horrible ticket policy

If all tickets were refundable and easy to change then costs would be huge because passengers would be changing all the time. I'll take my cheap restrictive tickets and pay a couple hundred extra for refundable in the rare event its needed.
by barnaclebob
Mon Jun 25, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Does technical data matter?
Replies: 16
Views: 799

Re: Does technical data matter?

I think the last TA article I read mentioned something about a teacup pattern being favorable for buying. I then googled what a teacup pattern was and the description said it was a teacup shaped pattern in the price that could take weeks, months, or sometimes only days to form. :confused :confused :...
by barnaclebob
Mon Jun 25, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 1658

Re: Recommendations for ice machine

My brother had a cheap ice machine that just froze rings of ice onto these finger things and let it drop into a hopper. The ice came out barely frozen and would pretty much immediately melt in the drink.
by barnaclebob
Mon Jun 25, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Betterment fined
Replies: 12
Views: 2518

Re: Betterment fined

http://www.investmentnews.com/article/20180622/FREE/180629964/betterment-slapped-with-400000-fine-from-finra Not sure what they did sounded so bad, but thought those of you using or considering using Betterment should know. Not keeping customers money in the proper locations sounds pretty bad to me...
by barnaclebob
Wed Jun 20, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3593

Re: What will (or would) you tip when wages go up?

Well if my tip only went to make it so the owner didn't have to pay is workers as much then zero. What a dumb way to enact a min wage law for service workers.

Many of the restaurants around here ($15 min wage area) now include a mandatory service charge and I leave zero tip for those.
by barnaclebob
Tue Jun 19, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: I don't trust my own estimate of expenses
Replies: 29
Views: 2449

Re: I don't trust my own estimate of expenses

For me EVERYTHING is paid through my one checking account. I just pulled 24 months of statements from the bank and summed the debits. Gave a pretty good picture. Dottie57 is showing the right/easiest/most accurate way to do it. This is what I do: a. download the year's transactions from my checking...
by barnaclebob
Tue Jun 19, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: I don't trust my own estimate of expenses
Replies: 29
Views: 2449

Re: I don't trust my own estimate of expenses

If you think your spending is out of control or too complicated then you need to start tracking everything, picking it apart, and categorizing. Its much better to find your total actual spending and then bring it down than to try to do a bottoms up estimate. How is your spending complicated? In the ...
by barnaclebob
Tue Jun 19, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3934

Re: Article on hotel booking sites - no bargains

Air BNB is the preference for me. If I'm staying at a hotel I'll use the deal sites to get a feel for prices and then usually book directly with the hotel because the price difference is negligible.