Search found 2525 matches

by barnaclebob
Mon Apr 23, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 19
Views: 837

Re: Rebating buyer's agent for 1st time single-family home purchase

I guess I am also worried that the house we pick has some "fatal flaw" that we don't recognize simply because we are not experience single family home shoppers (or, at least, we haven't learned from owning past single family homes). A house having a "fatal flaw" would be really rare and even if it ...
by barnaclebob
Mon Apr 23, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 15
Views: 1006

Re: Buying a home with water damage

Having a say in finishes and construction details without a contract in place seems like a really bad idea. Even with a contract in place it sounds like a nightmare because they are incentivized to do the work as cheaply as possible. I'd either buy it as is or after they are done but not in the midd...
by barnaclebob
Mon Apr 23, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 41
Views: 2337

Re: Building a New Home (Talk me out of it!)

Sounds like you will be overbuilding no matter what until the rest of the houses are torn down and new ones built. I don't think you can predict what kind of "return" you will get on your money so make make the decision based on what you do know. How much you will improve your life and how easy is i...
by barnaclebob
Mon Apr 23, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 41
Views: 2337

Re: Building a New Home (Talk me out of it!)

Is the area where the lot is already developed and a mature neighborhood? You probably don't need to build a "showcase" home but maybe one 75% the size and quality of the others. A 3000' house surrounded by 4000' houses definitely wont be a teardown and the surrounding houses might actually bring it...
by barnaclebob
Fri Apr 20, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: New car hit accident - loss of dimished value
Replies: 27
Views: 2109

Re: New car hit accident - loss of dimished value

I agree "not completely wrong". The challenge, in all fairness, is determining both what that is and just how/when it is paid. If the repaired damage is 100% complete and causes zero problems of any kind - and you keep the car for many years - you have zero diminished value. On the other hand, if y...
by barnaclebob
Fri Apr 20, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: New car hit accident - loss of dimished value
Replies: 27
Views: 2109

Re: New car hit accident - loss of dimished value

Anyone claiming diminished value isn't real is completely wrong. With two identical cars for sale at the same price, one with and one without an accident, not a single person would choose the one with the accident. Put in a claim for 15% of the value of the car just prior to the accident and settle ...
by barnaclebob
Wed Apr 18, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Need help with future planning.
Replies: 4
Views: 377

Re: Need help with future planning.

Based on the limited info you provided I'd be surprised if buying a vacation home was a good choice at this point.
by barnaclebob
Wed Apr 18, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Best places to find discontinued appliance parts?
Replies: 14
Views: 1128

Re: Best places to find discontinued appliance parts?

Look for used appliance stores, typically in an area with a lot of mid to lower income rentals. For best results they should have a bunch of washers, dryers and stoves stacked up in back or around the side of the building.

Where are you located? Someone may be able to give local advice if we know.
by barnaclebob
Thu Apr 12, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: Reasonable appreciation assumptions?
Replies: 4
Views: 244

Re: Reasonable appreciation assumptions?

Houses with character in great locations with good economies will probably continue to rise while mediocre suburbs with miles and miles similar houses built in the last 10 years could decline. Its all heavily connected to the local economy. In Seattle those suburb houses have gone up heavily since 2...
by barnaclebob
Thu Apr 12, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4670

Re: realtor wants to show house to buyer, no listing agent for me

On the phone this morning, I told the realtor if I verbally agree to the buyer's price on "as is" then we will all sit down for the document writing. She did say it would be 2% commission on the sale price. Don't verbally agree to anything. If you like the price then just ask that they submit a wri...
by barnaclebob
Thu Apr 12, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3903

Re: Help with shared child being spoiled

ddurrett896 wrote:
Thu Apr 12, 2018 8:39 am
Child is 13 and we have been married since age 2.
Show him/her this thread and how everyone assumed it was a 5 year old based on the description of the behavior, lol.
by barnaclebob
Wed Apr 11, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Sanity Check My AA/Investment Master Plan?
Replies: 5
Views: 353

Re: Sanity Check My AA/Investment Master Plan?

Looks good to me. I agree the the old 401k has better options than her new one but not by much. Its really a choice of convenience for less than .1%. I probably would leave the old one where its at though.

Yes it definitely possible to have a 3 fund portfolio across multiple accounts.
by barnaclebob
Wed Apr 11, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 37
Views: 2600

Re: Gardening 2018

I have a nice big plot for my garden. Last year I had 64 tomato plants, 32 eggplant, 32 jalapeño, 32 green peppers, 8 zucchini, cucumber, beans, and 6 pickle plants. It was a busy September, making sauce in the driveway on my turkey burner and a 10gal pot. My chest freezer in the basement still qui...
by barnaclebob
Wed Apr 11, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 37
Views: 2600

Re: Gardening 2018

Puget sound here. Moved to a new house and got to build a completely new garden from scratch. 10, 9" tall 4x8 raised beds. We ordered 11 cubic yards of dirt (I think 15 was delivered...), 4 of wood chips to fill in between the beds, and 2 yards of mulch. Also planted 7 new mini dwarf fruit trees to ...
by barnaclebob
Wed Apr 11, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Get to Know Me screen at the beginning of TurboTax? Traditional/Roth IRA contribution button?
Replies: 2
Views: 215

Re: Get to Know Me screen at the beginning of TurboTax? Traditional/Roth IRA contribution button?

What matters is your contributions and distributions/withdrawals. If you contributed to a Traditional or Roth IRA, then click the button. Additionally, the tone and phrasing of your question is concerning and indicates that you don't understand how to use turbotax or how your taxes should look in th...
by barnaclebob
Tue Apr 10, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Realty mogul, Patch of Land, Peer street as investments ?
Replies: 13
Views: 1226

Re: Thoughts on Realty mogul, Patch of Land, Peer street as investments ?

One disturbing thing I noticed was that the loans were given on loan to asset value. They defined asset value as the value of the asset when completed. That understates the risk of the investment massively. Second, when I asked one of the companies about their experiences in courts, recovery and la...
by barnaclebob
Tue Apr 10, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Persian Rug Passed Down From Grandmother
Replies: 28
Views: 2056

Re: Persian Rug Passed Down From Grandmother

For $4k appraised value I'd be using it. Low to mid range collectibles or antiques usually don't go up in value much because they are too common. Kind of like if you own 200 "$20 items" you don't have a $4000 collection, you have a $1000 collection at best.
by barnaclebob
Tue Apr 10, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: How would you rotate these tires?
Replies: 20
Views: 1631

Re: How would you rotate these tires?

Are the tires unidirectional? I think the altima owners manual only says rotate front to back with no crossover. That might not apply depending on the tire though.

If it were me, I'd put the two 5/32nds on the front and leave them there until you buy 4 new tires.
by barnaclebob
Tue Apr 10, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 3309

Re: Engineering: Quality of school vs. specialized niche degree

Yeah, it'll be interesting to see how his interests evolve. He quit FIRST and SeaPerch after one try at each. "Too boring". It's just that he has such specific interests and has little focus or follow through outside of them... As an adult I know those interests are likely to change, but he is less...
by barnaclebob
Mon Apr 09, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40006

Re: Name something you had to have and now you regret purchasing it?

Our house. Overpaid near the housing peak, and after ten years it might finally be worth what we paid for it. Not enough space for guests or my hobby. It makes me sad every time I pull in the driveway. That's rough. What caused you to stop liking the house from when you bought it? Just the fact tha...
by barnaclebob
Mon Apr 09, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Home inspection/negotiation question
Replies: 20
Views: 794

Re: Home inspection/negotiation question

RudyS wrote:
Mon Apr 09, 2018 12:55 pm
The sellers were bamboozled once on that roof. If they handle the re-roof, wanna bet it will happen again?
Yeah I can't understand how you don't realize your roof hasn't been replaced unless you have really bad vision.
by barnaclebob
Mon Apr 09, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7886

Re: Cash flow problems - best way to handle?

Man, you got some bad advice here OP. The car ship has sailed and it wasn't that unreasonable of a purchase. You are cash flow positive by a decent amount assuming your variable expenses don't eat up whats left. This is good but it just sounds like you wont have enough savings build up for some upco...
by barnaclebob
Mon Apr 09, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7886

Re: Cash flow problems - best way to handle?

I would post my budget here and let us tell you suggestions on how to improve your budget. The only long term solution to a cashflow problem is to spend less or make more money. None of your proposals address either of those and in fact they all increase your spending.
by barnaclebob
Fri Apr 06, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Any advice for 1st time landlord
Replies: 42
Views: 3243

Re: Any advice for 1st time landlord

Not a landlord but I did research some of the tax issues. If I were to go any further I would add some fake rental income to my taxes in turbotax last year to see how it all worked. If you didn't use premier then you can do it online but not file for free.
by barnaclebob
Fri Apr 06, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4398

Re: Tequila and Magaritas

Espolon Tequila is the best I've tried in its relatively cheap price range. Most people won't enjoy drinking Jose or Sauza straight but Espolon is very smooth and easy to drink. Up from there besides Patron or Don Julio is Tres Generationes which is also very good. Don't cheap out on the mix. If you...
by barnaclebob
Fri Apr 06, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 3941

Re: Undecided students and STEM majors

But there are a lot more students that think they want to do engineering without knowing much about it than there are students who can handle college multivariable calculus. Ah, the only math class I got an A in. It wasnt too hard to add the third dimension IMO. And now I just got paid $30 while my...
by barnaclebob
Thu Apr 05, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: new mattress/bed - king size upstairs
Replies: 10
Views: 1138

Re: new mattress/bed - king size upstairs

The king size foam beds will come packed pretty small but will still be very heavy, they could be over 100lbs.
by barnaclebob
Thu Apr 05, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: 20 years old house - budgeting for maintenance
Replies: 18
Views: 1989

Re: 20 years old house - budgeting for maintenance

Why do you think a 20 year old house is suddenly going to have major structural issues? Why do you want to replace the skylight? Is there something wrong with it? Older skylights can be worth replacing even if they appear fine. Ours was from 1995 and when we replaced it, the amount of condensation ...
by barnaclebob
Thu Apr 05, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8310

Re: Liability for 32 year old step son living home

He could work in a convenience store. They are all over the place. Easy job to get and not a lot of danger. Not true. On what actual information do you base a statement like that or is it simply your opinion? https://csnews.com/making-safety-convenient-effective The Center for Disease Control (CDC)...
by barnaclebob
Thu Apr 05, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 3984

Re: Builder wants $800 to vent a gas cooktop

It will remove unwanted moisture when boiling water, depending on how much you boil with or without lids. Steam isn't that big of a deal unless you are making a batch of beer and boiling off a gallon of water over an hour or maybe canning. 15 minutes of boiling water for rice or pasta is a drop in ...
by barnaclebob
Thu Apr 05, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 3984

Re: Builder wants $800 to vent a gas cooktop

oldfatguy wrote:
Thu Apr 05, 2018 8:34 am
I've never lived in any home that had a stove hood vented to the outside, and have never been aware of any problems from it. Maybe I just don't know what I am missing.
If you don't do much high heat cooking and only turn the burners up to boil water then an outside vented hood wont do much.
by barnaclebob
Wed Apr 04, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Family Farm
Replies: 14
Views: 1504

Re: Gifting Family Farm

Why not just pass it to them when he dies so they get a step up in basis to FMV then. At least thats how most assets work when inheriting them, not sure if farms have special rules.
by barnaclebob
Wed Apr 04, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 42
Views: 2754

Re: compression sack for sleeping bag, help with calculations please

You guys that hike in these terrible rainy conditions where its impossible to dry out a sleeping bag must be masochists. Surely these can't be regular trips right? Could I survive a week on the Olympic peninsula in December with a down bag? Probably but I'd still be wishing I wasn't there even with ...
by barnaclebob
Wed Apr 04, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Large capital loss
Replies: 14
Views: 1025

Re: Large capital loss

Using them to offset income at $3k per year is the best use as far as I know, especially if your taxable account with gains destined for a charitable contribution. I would greatly appreciate if you could tell me how I can know that any investment will work out ahead of time. If any of us knew how to...
by barnaclebob
Wed Apr 04, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 3984

Re: Builder wants $800 to vent a gas cooktop

Either way you'll have garbage performance until you get rid of the OTR microwave and get a good hood. Modern microwaves with external venting capabilities aren't like the ones even a decade ago. Mine pulls just as many CFM's as many vent hoods and does an excellent job. What model? The last OTR mi...
by barnaclebob
Wed Apr 04, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Financing Options for New Home
Replies: 11
Views: 828

Re: Financing Options for New Home

How much other savings do you have? We went with a 20% down payment, 30% second mortgage (equal to the equity in the house we were selling) and 50% conventional mortgage. Only made 2 payments on the second mortgage before paying it off. HELOC on the condo + conventional mortgage can also be an optio...
by barnaclebob
Wed Apr 04, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 3984

Re: Builder wants $800 to vent a gas cooktop

Either way you'll have garbage performance until you get rid of the OTR microwave and get a good hood. But at least with an exterior vent you'll have the option of a good hood in the future. If you don't really cook or don't plan on staying long, you can punt the ball down the road and save the $800...
by barnaclebob
Mon Apr 02, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage paid off.
Replies: 8
Views: 1760

Re: Mortgage paid off.

Make sure you verify that they release their lien on the property too.
by barnaclebob
Mon Apr 02, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4063

Re: Tired of gas grills rusting out...

I stopped covering my charcoal grill. It just keeps the moisture in.
by barnaclebob
Mon Apr 02, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5513

Re: $20,000 book - what to do with it

The information in the book may be for the world so for sure have it digitized so the world can access it.

The fact that someone might be willing to pay a lot of money to own the original is a separate issue. Its not like art where looking at a reprint is the same as looking at the original.
by barnaclebob
Fri Mar 30, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 2852

Re: New laptop purchase decision

Non apple laptops are pretty much disposable these days unless you go really high end for gaming or something like that.
by barnaclebob
Fri Mar 30, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: HOA Sprinkler Burst: $25,000 fix
Replies: 29
Views: 2636

Re: HOA Sprinkler Burst: $25,000 fix

Antifreeze is not mildly toxic to animals. It's deadly. If the system did activate and animals died, I would not want to be one of the people involved in that decision. If the building is pet free....I'm not sure how I would feel about antifreeze in the pipes. Is this a common solution? If the syst...
by barnaclebob
Fri Mar 30, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Portable Inverter Generator vs Standby Generator
Replies: 78
Views: 2843

Re: Portable Inverter Generator vs Standby Generator

GeneratorNewb wrote:
Fri Mar 30, 2018 6:50 am
However, the Generac is nice if I'm not home as there's no way my wife would be able to set up the generator and tend to my son etc.
How hard are these things to fire up? Most of them are electric start arent they? Wheel it out, plug it in, start it up, and flip the switches right?
by barnaclebob
Fri Mar 30, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 5246

Re: Should I loan my child money for college?

If it doesn't get paid back, then although it would probably require some belt tightening, it won't break us. Would probably lead to some tense Christmas dinners, though :( This should be the main concern as if she is having trouble paying it back you could be very likely to judge every non necessa...
by barnaclebob
Fri Mar 30, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Cryptos- "Bear" with me here
Replies: 31
Views: 2439

Re: Cryptos- "Bear" with me here

This is a great thread. I'm glad you guys are sharing your stories. I find it interesting that many people seem to have a feeling that diversifying into other coins somehow legitimizes their portfolio somehow. Maybe because now its a "portfolio" instead of just buying a penny stock. This sure is a f...
by barnaclebob
Fri Mar 30, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Hot water safty
Replies: 8
Views: 1012

Re: Hot water safty

Use for drinking or use for showers?

Water from hot water heaters might have trace amounts of zinc from the sacrificial anode and if the water is running clear it is probably safe to use as you would any other hot water. Look up the conditions which legionaires disease grows though.
by barnaclebob
Fri Mar 30, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: HOA Sprinkler Burst: $25,000 fix
Replies: 29
Views: 2636

Re: HOA Sprinkler Burst: $25,000 fix

Antifreeze is not mildly toxic to animals. It's deadly. If the system did activate and animals died, I would not want to be one of the people involved in that decision. If the building is pet free....I'm not sure how I would feel about antifreeze in the pipes. Is this a common solution? If the syst...
by barnaclebob
Thu Mar 29, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12683

Re: Healthy eaters -- is this grocery budget normal to you?

I am curious as to why people are afraid of gmo foods and what the basis of that fear is. "Afraid" and "fear" are loaded words. People who avoid genetically modified food, as a group, are more educated about health issues and seek food with the lowest harm and largest benefits. Victoria If they wer...
by barnaclebob
Thu Mar 29, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Duffel >62 linear inches but won't be full...oversize fee?
Replies: 11
Views: 949

Re: Duffel >62 linear inches but won't be full...oversize fee?

I've taken a stuffed full North face XL duffel on a few asia and domestic trips with no problems. I think it has a 80-90 linear inch measurement.