Search found 2324 matches

by barnaclebob
Fri Jan 19, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Any downside to having a low property (house) assessment from the town?
Replies: 11
Views: 949

Re: Any downside to having a low property (house) assessment from the town?

Assessed value means pretty much nothing in relation to resale. Don't worry about it. All that matters is what the market will pay and what it would appraise for.
by barnaclebob
Thu Jan 18, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Bullied Me
Replies: 32
Views: 4735

Re: Vanguard Advisor Bullied Me

Yes I'm 17 and it was inheritance. Others will give you good advice but what you can do is start educating yourself on investments so that you can speak the same language as whoever is in charge of the account(s) (trusts?). Look at the wiki on this page to learn about asset allocation and how it ef...
by barnaclebob
Thu Jan 18, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 132
Views: 6265

Re: Short Commute or Nicer House?

Short commutes are nice. Im lucky that my job is currently in the suburbs so I get the best of both worlds. One thing about living closer to the city is that the traffic on side streets can be bad in after work hours which makes after work errands a pain. Right now its a fairly short round trip to t...
by barnaclebob
Wed Jan 17, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Bullied Me
Replies: 32
Views: 4735

Re: Vanguard Advisor Bullied Me

I am new to investing via a brokerage account. Previously I had only an employer-sponsored IRA. I had been managing my own holdings in the IRA and averaged an 11% return. After opening a brokerage account last summer, I was automatically set up with a personal advisor who told me that I MUST get ri...
by barnaclebob
Wed Jan 17, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Range Hood Blower Sizing
Replies: 29
Views: 1065

Re: Range Hood Blower Sizing

As long as you can afford it and turn it down if it's too high then go for more power.
by barnaclebob
Wed Jan 17, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Over-the-range Microwave recommendations
Replies: 9
Views: 383

Re: Over-the-range Microwave recommendations

We've had good luck with GE microwaves.

However if you can find any other place in you kitchen for a microwave and the vent is ducted to the outside then I'd really suggest going with a hood instead of a OTR microwave.
by barnaclebob
Tue Jan 16, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: How can I become a better consumer?
Replies: 18
Views: 1560

Re: How can I become a better consumer?

I try to make sure we have a need for somthing and then buying it vs seeing something cool and then trying to find a need for it. And yes im using the term "need" loosly I just bought a house and had a lot of projects to get done. I quickly realized that having a miter saw would cut the time of thos...
by barnaclebob
Mon Jan 15, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1437

Re: best flooring for a basement wood shop?

My basement has vinyl wood planks and that seems like it would be great for a basement woodshop
by barnaclebob
Mon Jan 15, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 74
Views: 8610

Re: Personal letters to the sellers of your house can work!!!

Alrighty, I figured I could give an update from the other side of the table now. The closing on our awesome new house went as smooth as can be and we've been loving every minute of living there. We listed our old house mid week at the beginning of Jan at a price I thought was on the lower end of wha...
by barnaclebob
Sun Jan 14, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2155

Re: Do you correct cashier mistakes?

hulburt1 wrote:
Sun Jan 14, 2018 9:29 am
Yes..I was at Walmart had a 100 and pulled it out. but found a 10 so gave him that. We were talking. He gave me change for a 100. Told him about it and gave him the money back.
This kind of thing can get a cashier fired, good for you for doing the right thing.
by barnaclebob
Fri Jan 12, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1261

Re: Replacement Suggestions For Microwave Oven

My GE with a steam sensor has the popcorn turn out perfectly when you hit the popcorn button. Other than that quick minute buttons and a +30 second button that immediately starts the microwave are pretty much a necessity these days.
by barnaclebob
Fri Jan 12, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Strong Nearsighted Glasses - Tips Requested
Replies: 10
Views: 613

Re: Strong Nearsighted Glasses - Tips Requested

Plastic frames that cover most of the lens from the side are one of the better things you can do to reduce the appearance of a high prescription lens. I think there are higher refraction lenses out there too but could be wrong about that.
by barnaclebob
Fri Jan 12, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Resource on good financial practices for a graduate student?
Replies: 17
Views: 546

Re: Resource on good financial practices for a graduate student?

There isn't really anything special about the financial needs of a grad student to be honest aside from student loans or grants if applicable. Good personal finance practices are applicable to anyone. Do you have any specific questions about your situation?
by barnaclebob
Fri Jan 12, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Hello question [HELOC payoff question]
Replies: 5
Views: 308

Re: Hello question

We need way more information than you provide. Why do you want to move? Interest rate? Credit score? Income? Savings? Etc.

Also you wont net 70k, you'll probably get 50k after fees.
by barnaclebob
Thu Jan 11, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Help with what to do with drafty fireplace
Replies: 26
Views: 1322

Re: Help with what to do with drafty fireplace

If you like the actual fire go with an EPA certified catalytic insert with a blower fan. The Blaze king ashford 25 or sirocco 25 might be good options.
by barnaclebob
Thu Jan 11, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 18
Views: 1020

Re: Hulu, Your Current Favorite Show

Blackish has some really funny episodes and some that are so so. Shut eye is pretty good, its kind of like a USA "characters welcome" type show about a gypsy crime syndicate. We have watched the entire Deep Space 9 series again except for the series finale and its a lot better than I remembered as a...
by barnaclebob
Thu Jan 11, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: How do you time the market when you have to?
Replies: 14
Views: 940

Re: How do you time the market when you have to?

Its not really timing the market when there are forced times of the check being in the mail. Last year I won by about $1500 this year I lost by probably the same amount and counting during my mega backdoor conversion. Small potatoes in the long run. I just but the buy/sell orders in ASAP and minimiz...
by barnaclebob
Wed Jan 10, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8029

Re: How much/little money to give kids so they continue to work

One thing you could do to avoid moral hazard is to tell them they aren't going to be getting anything other than family furniture and jewelry because you have brought them up right and educated them and know that they can make their own way in the world and that everything will be going to charity....
by barnaclebob
Wed Jan 10, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8072

Re: Kodakcoin

Is this an actual cryptocurrency or just using blockchain technology to protect digital photo rights? The latter sounds like it could actually be useful but isn't something that is traded monetarily anymore than the rights to photos are bought and sold.
by barnaclebob
Wed Jan 10, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6321

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

Most people are answering how much your parents are paying in fees but I don't think anyone can say how much the FA him/herself actually makes.
by barnaclebob
Wed Jan 10, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Mess
Replies: 7
Views: 815

Re: Backdoor Roth Mess

What would the entire tax hit be currently and how old are you?
by barnaclebob
Wed Jan 10, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Increase mortgage payment
Replies: 6
Views: 1030

Re: Increase mortgage payment

Making extra payments on the mortgage is a risk-free return, and it is now 2.75% (versus, presumably, 1.98% when you deducted it in a 28% bracket). This is a good deal if you don't need the liquidity. This is not necessarily correct math. You would only get the 28% on the portion that is in excess ...
by barnaclebob
Wed Jan 10, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 71
Views: 6729

Re: New mattress

Here is what the warranty actually says. Were you told this by a customer service person? In the what is covered section of the warranty: Normal wear requires that a purchaser’s mattress be continuously supported by a matching, solid foundation, base, or frame substantial enough to support the matt...
by barnaclebob
Wed Jan 10, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Accelerated Bookbuild - who's informed and when? And what are the consequences?
Replies: 21
Views: 1067

Re: Accelerated Bookbuild - who's informed and when? And what are the consequences?

I think you should realize that you are a zooplankton in a school of small fish and that this comes with the territory.
by barnaclebob
Tue Jan 09, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 12
Views: 587

Re: cost analysis on buying vs. renting skis?

Are you renting them and turning them back in every day on the trip or renting them once for the whole trip?

You can buy used skis or wait until late season to buy them on sale for pretty cheap too.
by barnaclebob
Tue Jan 09, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1913

Re: home inspection on house I already live in?

Since you've lived there 9 years and are considering buying it I'm going to assume there isn't much visibly wrong with the house. Go up in the attic and down into the crawl space if applicable and look for anything out of place there. Inspectors will only make a visual inspection along with maybe ta...
by barnaclebob
Tue Jan 09, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6367

Re: Hot Water Delay at faucet/shower far from water heater

In my house, the hot water run to the master and guest bathrooms is over 100ft. It's nice to see your calculation roughly confirms the delay we see to flush our hot water lines on those far end points. Are your pipes also insulated? Over those distances a lot of heat could be lost to a cold basemen...
by barnaclebob
Tue Jan 09, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6367

Re: Hot Water Delay at faucet/shower far from water heater

In my house, the hot water run to the master and guest bathrooms is over 100ft. It's nice to see your calculation roughly confirms the delay we see to flush our hot water lines on those far end points. Are your pipes also insulated? Over those distances a lot of heat could be lost to a cold basemen...
by barnaclebob
Tue Jan 09, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6367

Re: Hot Water Delay at faucet/shower far from water heater

Couple of tips: Don't turn on the cold water when trying to get hot. Faucets are flow-limited, so turning full-on cold/hot taps will take approximately twice as long to heat up as the hot-only tap on. Same with the shower - turn all the way to hot for fastest heat up. On that note, all plumbing fix...
by barnaclebob
Tue Jan 09, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 6906

Re: Lowball offer on a home

From your description, it sounds like you are arriving at an offer price by using a $525k house as a base and then deducting $100k based on mostly cosmetic issues (except the furnace) that you don't like. My suggestion would be to compare your target house, in its current condition, to houses that ...
by barnaclebob
Tue Jan 09, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 71
Views: 6729

Re: New mattress

https://thewirecutter.com/reviews/best-foam-mattresses-you-can-buy-online/ i use these guys for alot of purchases, Heres a question, can you keep your old boxspring from your mattress from 15+ years ago and just replace the top? You can, but if my memory is correct, Wirecutter recommends you get a ...
by barnaclebob
Tue Jan 09, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Minimizing effect of first speeding ticket
Replies: 28
Views: 2041

Re: Minimizing effect of first speeding ticket

My advice is to hire a traffic lawyer and contest the ticket. They will usually at least get it reduced to a charge that doesn't affect your insurance but you will still pay the same fine + the fees to the lawyer.
by barnaclebob
Mon Jan 08, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 96
Views: 8763

Re: california homeowners - do you have earthquake insurance?

North Seattle area in a house with a valued rebuild cost of ~500k. Our earthquake coverage is about $1200 through loyds of london with a 5% deductible. This is not a regulated policy but I'm happy with its coverage. My understanding is that the difference is the non regulated policies don't have gov...
by barnaclebob
Mon Jan 08, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6367

Re: Hot Water Delay at faucet/shower far from water heater

We had a similar situation with a bathroom on the far end of the house. I installed a small (6 gallon) auxiliary water heater in the basement, just below that bathroom, and it works great. I plumbed it myself and the total cost I believe was around $200 give or take. Did that about 3 years ago and ...
by barnaclebob
Mon Jan 08, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6367

Re: Hot Water Delay at faucet/shower far from water heater

I insulated the copper hot water pipes between the heater and the remote bathroom, it helped a bit but not much. Didn't feel the problem was worth spending the money on a recirculator myself, but YMMV. Insulating pipes doesn't keep them from getting cold, it just slows down the loss of heat. So the...
by barnaclebob
Mon Jan 08, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Non Deduct IRA Conversion
Replies: 1
Views: 130

Re: Non Deduct IRA Conversion

In a rising market, the sooner you convert the better. If I were you I'd make the contribution for this year then do the conversion just to make it one event.
by barnaclebob
Mon Jan 08, 2018 1:16 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8539

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I agree it is a confirmation the BH method is effective. I enjoy reading through those threads especially when the OP or those who have replied to the post share specific unique strategies that have worked for them. Some of the threads confirm BH method today but if the policy changes I would expec...
by barnaclebob
Mon Jan 08, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 71
Views: 6729

Re: New mattress

Great information here and I think ill only try casper as a last resort now and not take any professional looking online reviews into account. Edit: We have a Leesa Sapira on the way. Didn't spend much time researching because it seems like all of the reviews are suspect and well just keep trying th...
by barnaclebob
Mon Jan 08, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6367

Re: Hot Water Delay at faucet/shower far from water heater

You could run them both at the same time to get the hot water there faster. If that isn't fast enough then I'd rather find higher flow rate fixtures. But then again the longest wait time I have for hot water is about 45 seconds in my new house which seems like an eternity compared to the 20-30 secon...
by barnaclebob
Mon Jan 08, 2018 9:41 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8539

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I think they should be allowed as long as the content of the post is of decent quality. For example the OP should give a little bit of history or context to why this is a significant event for them or what decisions they had to make to along the way and why they made those decisions. "After todays R...
by barnaclebob
Fri Jan 05, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: I am waiting for an opportunity to lump sum my 2018 contribution to Roth IRA:)
Replies: 16
Views: 1011

Re: I am waiting for an opportunity to lump sum my 2018 contribution to Roth IRA:)

2018 has begun and from this year on my financial condition will allow me to contribute full amount to Roth IRA any time. $5500 has been put aside ready for my lump sum. Still waiting for a (slight) drop of market in January so that I can have a bit of discount :D . BTW my portfolio is Vanguard Tar...
by barnaclebob
Fri Jan 05, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 31
Views: 1793

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

Get a down bag, much lighter, warmer, and smaller. If you are going to kili you can afford it and you wont regret it. I had a 20 degree cats meow and I just barely might have survived the night in 20 degree temps even with a few layers on.
by barnaclebob
Fri Jan 05, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Home Remodeling?
Replies: 14
Views: 1315

Re: Home Remodeling?

I think the biggest disadvantage a homeowner that is a 7 or 8 out of 10 on the handy scale has against a general contractor is speed and dependability of sub contractors. A GC should be able to coordinate everything much better to get the job done faster and should have to deal with fewer no shows o...
by barnaclebob
Thu Jan 04, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Another Mortgage escrow question
Replies: 14
Views: 842

Re: Another Mortgage escrow question

it doesn't really make sense to pay your escrow yourself to decrease you monthly payments since you'll just have to save the same elsewhere. Its just putting money in different piles. Another poster mentioned that lenders will use escrow money to lend out but that sounds not kosher. Peace of mind. ...
by barnaclebob
Thu Jan 04, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Another Mortgage escrow question
Replies: 14
Views: 842

Re: Another Mortgage escrow question

it doesn't really make sense to pay your escrow yourself to decrease you monthly payments since you'll just have to save the same elsewhere. Its just putting money in different piles.

Another poster mentioned that lenders will use escrow money to lend out but that sounds not kosher.
by barnaclebob
Thu Jan 04, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 4462

Re: Cryptocurrency Exit Strategy

First of all sell before it ever gets to zero because it may be more difficult to write it off as a capital loss if its valued at .0000001 but there is no bid because in the IRS eyes its still not worthless yet.

Second sell at the peak.
by barnaclebob
Wed Jan 03, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 826

Re: 2016 Nissan Pathfinder S with 3rd row seat

Google Nissan CVT issues in general and then go look at other models. Nissan has really dropped the ball with their CVT's. I've got a 2011 Altima and might have gotten lucky as its the only year of that CVT generation that they haven't issued a recall on. 86k miles and going strong so far.
by barnaclebob
Wed Jan 03, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Auto repair question
Replies: 10
Views: 1004

Re: Auto repair question

Well the parts appear to be around $70 for new arms with new bushings. I googled some articles on how to replace them and it looks like a fairly easy job which should take a mechanic around 3 hours total tops to do this work but I don't know what the "billed hours" are for it. Are you noticing any s...