Search found 2905 matches

by barnaclebob
Fri Oct 19, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 51
Views: 4082

Re: Total Bond Market Fund - interest rates rising!

I always laugh when people talk about a bond "crash". What you mean having them going down 5% in a year?
by barnaclebob
Fri Oct 19, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you from a widow
Replies: 16
Views: 3136

Re: Thank you from a widow

So sorry for your loss. I'm glad this forum was able to make it so you didn't have to untangle a financial mess at a time when money is the last thing you want to think about.
by barnaclebob
Fri Oct 19, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: How to recognize loss on $0.00 call option
Replies: 6
Views: 405

Re: How to recognize loss on $0.00 call option

If you can't sell then you have to use the rule for worthless securities. My bet would be that this does not qualify as a worthless security.
by barnaclebob
Fri Oct 19, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1382

Re: How important is registered mail for important documents?

I'd just send it in a priority envelope. The less time its in their hands the better and Priority mail is extremely reliable from my experience. Although I can't ever remembering any normal first class postage getting lost either.
by barnaclebob
Fri Oct 19, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 854

Re: Replace roof or wait .... and

Having to immediately spend $70k on a house will could away a lot of your potential buyers. But if the house is well into 7 figures then most of your buyers might have the cash for that.
by barnaclebob
Thu Oct 18, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: unlicensed repair guy possibly spent our material deposit
Replies: 25
Views: 2730

Re: unlicensed repair guy possibly spent our material deposit

In the future if not buying from an established business, buy the materials yourself.

He probably had a cash shortfall issue which caused him to start running the contractor version of a ponzi scheme using deposits from future jobs to pay for the materials on current jobs.
by barnaclebob
Thu Oct 18, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 1548

Re: Car accident, diminished value claim?

GEICO told my wife that if we are going to make diminished value claim or rental car claim, we must do the entire claim with them. My wife is going to call AMICA tomorrow to ask what our options are. Any BH has any expereince with this? Is it true that we must make all our claims with a single insu...
by barnaclebob
Thu Oct 18, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Too Much APPL Stock
Replies: 25
Views: 2515

Re: Too Much APPL Stock

mortfree wrote:
Wed Oct 17, 2018 7:09 pm
No such thing as too much AAPL
For how long though? I'm sure the same was said about GE or Sears at some point.
by barnaclebob
Thu Oct 18, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3390

Re: Forever Stamps as an Investment?

I use maybe half a book of stamps all year. Who would purchase these stamps from you at full value?
by barnaclebob
Wed Oct 17, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1259

Re: Would you ever buy a lottery ticket?

I'll be paying my poor people tax this week.
by barnaclebob
Wed Oct 17, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Thinking of buying a brand new Toyota 4Runner TRD
Replies: 11
Views: 1186

Re: Thinking of buying a brand new Toyota 4Runner TRD

TRD Pro or TRD offroad?

TRD Pro's sell at or over list price from what I've read.
by barnaclebob
Tue Oct 16, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Why buy thicker hardwood?
Replies: 16
Views: 2153

Re: Why buy thicker hardwood?

The 3/4 will probably feel and sound more solid.

You are right that the floors wont be refinished more than once every couple decades at best. I wouldnt get 3/8 without seeing them installed first. Im a bit of a wood floor purist and having cheap flooring in my house would annoy me every day.
by barnaclebob
Tue Oct 16, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: advice on first home
Replies: 28
Views: 1575

Re: advice on first home

How much per month are you able to save for a house down payment? When you say you bring home 4-4.5k a month is that take home after 401k and taxes? What price houses are you looking at. For 2k per month thats like 400k right? There are only a few good and optional reasons to prematurely withdraw f...
by barnaclebob
Tue Oct 16, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: advice on first home
Replies: 28
Views: 1575

Re: advice on first home

How much per month are you able to save for a house down payment? When you say you bring home 4-4.5k a month is that take home after 401k and taxes? What price houses are you looking at. For 2k per month thats like 400k right? There are only a few good and optional reasons to prematurely withdraw fr...
by barnaclebob
Tue Oct 16, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 77
Views: 4125

Re: Personal Adventure - recommendations

What about learning to hang glide or something like that? Climbing Mt Rainier or Denali with a guide company is far from having a sherpa take you up Everest. If you are really determined to be solo it is possible to solo Rainier with a moderate amount of risk if you have the right training. You can ...
by barnaclebob
Mon Oct 15, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend lost job, getting a lump sum severance... What should we do next
Replies: 36
Views: 3039

Re: Girlfriend lost job, getting a lump sum severance... What should we do next

Do not spend that much on a wedding unless you'd barely notice the change in your net worth. The best wedding I've been to was a relatively cheap event at a local park. They bought a bunch of trays of food for a buffet from a local restaurant, had kegs of beer, and rented extra tables/chairs and tab...
by barnaclebob
Mon Oct 15, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2642

Re: trip to Grand Cayman & dieting

Ask if any carb heavy sides like rice or french fries can be replaced with some kind of grilled vegetables. Stick to meals that don't have creamy sauces. Since you are going to an island, sticking to high protein seafood shouldn't be difficult either. Eat eggs for breakfast instead of pastries.
by barnaclebob
Fri Oct 12, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Just TLHed for the first time. Should I be happy or sad?
Replies: 6
Views: 869

Re: Just TLHed for the first time. Should I be happy or sad?

At some point you wont be able to do it using average cost anymore because your gains will be so much and you'll only be able to do it with specific lots with your reinvested dividends.
by barnaclebob
Fri Oct 12, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7121

Re: My life saved by New subaru. Almost died.

You were lucky. The Owner's Manual explicitly says NOT to try to test that system because of the danger. When I get one of these systems there will definitely be a test with empty cardboard boxes. For what purpose? Will the results alter your driving behavior one way or the other? When you get one ...
by barnaclebob
Fri Oct 12, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2795

Re: Pacific Northwest trip

As others have said, the best way to do the northwest for outdoor stuff is to road trip. All of the good stuff is about 2-4 hours outside of Portland or Seattle in all directions. Sticking to your requirement of a single place to stay in Seattle: You can see Mt. Rainier in a long day and hiking at S...
by barnaclebob
Fri Oct 12, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7121

Re: My life saved by New subaru. Almost died.

I’m not sure that’s how the Automatic Braking systems work, avoiding the crash altogether, I think they are just supposed to lessen the impact. I drove a new Subaru Crosstrek recently with the Eyesight safety package, and I decided to test it by not braking while approaching a stopped car, expectin...
by barnaclebob
Fri Oct 12, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7121

Re: My life saved by New subaru. Almost died.

RudyS wrote:
Fri Oct 12, 2018 10:37 am
You were lucky. The Owner's Manual explicitly says NOT to try to test that system because of the danger.
When I get one of these systems there will definitely be a test with empty cardboard boxes.
by barnaclebob
Fri Oct 12, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3050

Re: Home Purchase - Sellers Request Help with Repairs

It really depends on how bad you want the house and if the sellers will be able to close if you don't pay up. Everyone loves to say "walk away" when people post about any problems with a house or say that this is a sure sign the sellers have done zero maintenance and the house is probably held up by...
by barnaclebob
Thu Oct 11, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 72
Views: 6556

Re: Just Divorced -- Need Help

I can never quite understand how the debt one spouse creates can be the responsibility of the other spouse in a divorce. We don't know the whole story. You'd have to see the whole list of how assets and liabilities were divided to decide if it was fair or not. Also at some point don't you file for ...
by barnaclebob
Thu Oct 11, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7121

Re: My life saved by New subaru. Almost died.

Your car was able to stop in 10 yards? If so that hardly would have been a deadly collision for just about any modern car but don't doubt that automatic braking saved you from rear ending another car. Something about the distances in your story don't add up.
by barnaclebob
Thu Oct 11, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 42
Views: 5058

Re: Pls help us design our family life!!!

- with nanny cost and some commute expense gone, we might get 2.5k/month back. I feel as though 2.5k + DH’s salary + my part time salary should still cover us month over month with little to no cushion perhaps. Does that sound right? What will your total take home pay be after going part time? How ...
by barnaclebob
Thu Oct 11, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2236

Re: Mold on inspection, need advice

Determining the extent of the leak should be your main concern, not the mold. Nearly every house will have mold in it somewhere.
by barnaclebob
Thu Oct 11, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 68
Views: 3845

Re: Anyone here major in Economics in college?

My friend is an econ major and had to get an MBA before he could earn more than 6 figures. I was pretty surprised at how little he knows about personal finance. You'd think schools would want their econ majors to be able to handle their own finances.
by barnaclebob
Wed Oct 10, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 42
Views: 5058

Re: Pls help us design our family life!!!

What would your savings rate be with you working part time? Looks like you only have $700 a month leftover right now is that correct? Your gross pay will be going down 5250 per month, what will your take home go down by? By your posted numbers I don't think you can go part time unless your expenses ...
by barnaclebob
Wed Oct 10, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5869

Re: Black Friday is coming.. what's on your list?

Sleeping in, making turkey soup, eating leftovers, and sitting by my wood stove. Maybe take a walk down to the beach if its not raining.
by barnaclebob
Wed Oct 10, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5753

Re: What the heck is growing in my yard?

Hen of the woods, They are supposedly very tasty. Dont trash it yet, I'll see if I can post pictures from my mushroom ID book for you.

Can you get a picture of the underside and does it change colors when you bruise it?
by barnaclebob
Mon Oct 08, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: pension vs lump sum payment
Replies: 12
Views: 989

Re: pension vs lump sum payment

You need to see what kind of annuity you could buy with the lump sum and compare that to the pension. Usually the lump sum wont buy as much of an annuity but you'll have to decide how much you value having complete control of your assets.
by barnaclebob
Mon Oct 08, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: REI Adventures
Replies: 16
Views: 1894

Re: REI Adventures

I'd look into local guide services before booking an REI tour. I don't have any opinions or experiences with REI tours but wanted to give you other options.
by barnaclebob
Mon Oct 08, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Life insurance theory
Replies: 11
Views: 1019

Re: Life insurance theory

When would either be good for someone? The only time I've heard of any type of permanent life insurance being useful has to do with inheriting farmland or something like that. What is the connection between cash value life insurance and farmland? I don't remember the article well since it didn't ap...
by barnaclebob
Mon Oct 08, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Life insurance theory
Replies: 11
Views: 1019

Re: Life insurance theory

When would either be good for someone? The only time I've heard of any type of permanent life insurance being useful has to do with inheriting farmland or something like that.
by barnaclebob
Mon Oct 08, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3760
Views: 1068456

Re: What Movie Have You Recently Watched?

Atomic Blond on either HBO or Netflix. I thought this movie was amazing with the use colored lights and one of the best fight scenes I've seen. It was like a live action pop art with great visual composition of each scene. Whoever did the wardrobe needs an award too. The stairwell fight scene was ma...
by barnaclebob
Mon Oct 08, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Meat Grinder recommendation?
Replies: 11
Views: 1016

Re: Meat Grinder recommendation?

Meat grinder? Yeah, I worked in one for years. Can't recommend it. OH! Sorry, OP. You mean a different kind of meat grinder. Like the kind that actually grinds meat - for wontons, gyoza, etc. Before I elevated to the mixer attachment you said you don't want, mine looked something like this . Worked...
by barnaclebob
Fri Oct 05, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Meat Grinder recommendation?
Replies: 11
Views: 1016

Re: Meat Grinder recommendation?

I'm assuming she doesnt have a kitchenaid mixer as the reason why you say no kitchenaid attachment?

I'd just go with anything from a company like cabelas with a good return policy because grinders in that range aren't very powerful and are good for maybe a couple pounds at at time.
by barnaclebob
Fri Oct 05, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5081

Re: can i start a private investment firm?

Honestly you are barking up the wrong tree here. Nobody is giving you a straight answer because very few people here actually know how to do it and there is a 99.99% chance its a bad idea for you to do this anyway.
by barnaclebob
Fri Oct 05, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5081

Re: can i start a private investment firm?

If you are asking here, its probably not yet legal for you and a long expensive ways away.
by barnaclebob
Thu Oct 04, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12656

Re: What purchase saved you the most money?

Hmmm. I'm sure my power tools (table saw, router, miter saw) have at least broken even vs paying to have the things I've build with them. A Roku let us cut the cord and thats probably been a $100 a month savings for at least two years. Our crab pots caught their value of crab and bait in the first s...
by barnaclebob
Thu Oct 04, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Learned some lessons... back for fresh approach
Replies: 17
Views: 2131

Re: Learned some lessons... back for fresh approach

The fewer people between you and your money the better. How is it possible morgan stanley can like one kind of portfolio for taxable but another for IRA? That directly shows they don't know what they are doing. If they think they have the best portfolios in town they should be recommending that for ...
by barnaclebob
Thu Oct 04, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Septic owner protection service contract or NOT?
Replies: 7
Views: 415

Re: Septic owner protection service contract or NOT?

Well one thing is for sure. As soon as you stop paying your system will break. I try not to get involved with ongoing protection plans. There will come a time in the future when you have to mentally throw away all of that money even though its really a sunk cost and should be ignored.
by barnaclebob
Wed Oct 03, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11746

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

Tell your real estate agent that you have no idea what they are talking about and to ignore it. If they want to try to sue you they can but they wont because they don't have any proof. Not only would they have to prove the issue existed before closing, they would also have to prove you knew about th...
by barnaclebob
Wed Oct 03, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1448

Re: Accepting a Contingency Offer

Your post made it sound like this was a 2 buyer contingency train. That seems pretty risky. That's exactly right. In that case the whole deal is dependent on your buyers, buyers, buyers. I'd only take this offer with the clause mentioned by the first person who responded where if you get another of...
by barnaclebob
Wed Oct 03, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1448

Re: Accepting a Contingency Offer

Your post made it sound like this was a 2 buyer contingency train. That seems pretty risky.
by barnaclebob
Wed Oct 03, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: Did Jeff Bezos just pull a Henry Ford?
Replies: 32
Views: 2530

Re: Did Jeff Bezos just pull a Henry Ford?

Ding, ding, ding, we have a winner. Long term, this is bad for low income people. It drives out competition that can't absorb the increased labor cost as readily as Amazon, increases the cost of doing business, and increases the ROI of automation and of outsourcing to other countries. Net effect - ...
by barnaclebob
Wed Oct 03, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Home inspection- helping a friend
Replies: 12
Views: 1118

Re: Home inspection- helping a friend

Assuming your friend is telling the truth and had no knowledge of the leak then tell him not to respond to anything but a summons. No need to get a lawyer until then.

If the seller can provide proof he knew then he should pay up.
by barnaclebob
Wed Oct 03, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2414

Re: Water Leak During New Home Construction

This is 100% false (in my state, and likely the OP's). Disclosure forms typically ask about any PREVIOUS or CURRENT issues. Here is the exact wording from the residential property disclosure form for my state... Do you know of any previous or current water leakage, water accumulation, excess moistu...
by barnaclebob
Wed Oct 03, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4202

Re: My bank and absurd policy for "no fee"

If you don't want to move, just keep $1000 there.