Search found 2890 matches

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: 32
Views: 1817

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
Replies: 27
Views: 1446

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: 845

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: 7042

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: 38
Views: 2446

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: 7042

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: 7042

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: 2981

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: 66
Views: 5917

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: 7042

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: 40
Views: 4285

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: 2195

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: 3734

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: 40
Views: 4285

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: 66
Views: 4807

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: 67
Views: 4994

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: 965

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: 1878

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: 1007

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: 1007

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: 3736
Views: 1065818

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: 1004

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: 1004

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: 5033

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: 5033

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: 12545

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: 2119

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: 410

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: 11707

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: 1439

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: 1439

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: 2513

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: 1109

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: 2401

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: 4184

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

If you don't want to move, just keep $1000 there.
by barnaclebob
Wed Oct 03, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4314

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

... From local firm website -- $695 PRICE PROMISE INCLUDES ... Cremation (up to 250 pounds)* ... I'm APPALLED that they charge extra to cremate if you weigh over 250lbs! (I hope I'm reading that wrong.) Why are you appalled? It takes more energy, time, and manpower to cremate the obese. Some cremat...
by barnaclebob
Wed Oct 03, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2401

Re: Water Leak During New Home Construction

I doubt there is much you can do. Stuff happens when building a house and if they are ripping out the drywall and drying everything out then its going to be as good as if it never happened. Had there been a delay when pouring the foundation would you have been so upset? They should repaint the walls...
by barnaclebob
Tue Oct 02, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4314

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

Meh, whatever my heirs inherit will cover the cost of the funeral and then some. Not going to have a burial plot, it seems rather dumb to assume you deserve to take up permanent space on the earth. Funerals are for the living, they can decide what to do with me.
by barnaclebob
Tue Oct 02, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2190

Re: Adult kids getting help from parents

Age 32 here. The only ongoing help I get from my dad is to be on his cell phone family plan. If that went away it wouldn't be a big deal for us. Lump sum help I got was leaving college debt free, 20k for part of a down payment on our house in 2009, and a UTMA account that's now grown to about 250k. ...
by barnaclebob
Tue Oct 02, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3246

Re: New Apartment, city noise

It depends on the noise really. Our apartment was next to a grocery store loading docks so there was always beeping from trucks early in the morning. We never got used to that but thankfully were only there 3 months. I never got used to the beeping from the trash truck at our college apartment eithe...
by barnaclebob
Mon Oct 01, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1228

Re: New Homeowners - Paint first or fix hard wood floors first?

Another vote for the floors so you don't have to take freshly painted trim off.
by barnaclebob
Mon Oct 01, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Single in dream house but is it time to move on?
Replies: 13
Views: 2322

Re: Single in dream house but is it time to move on?

What about a smaller house with a view instead of an apartment? To much neighbor risk in an apartment or condo. Yes I know you can have terrible neighbors in houses but at least you aren't sharing a wall with them. Personally I'll work longer to live in what feels like a vacation house with an aweso...
by barnaclebob
Mon Oct 01, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with avoiding liability for personal injury on our property
Replies: 23
Views: 1874

Re: Help me with avoiding liability for personal injury on our property

I wouldn't worry about it aside from umbrella insurance. As long as its up to code and not an attractive nuisance find something else to worry about. I'd say that putting up any kind of obstacle like the peaked bricks or planters could backfire as people blame that as the reason for a fall. Why shou...
by barnaclebob
Mon Oct 01, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Preparing a Net Worth Statement
Replies: 15
Views: 1858

Re: Preparing a Net Worth Statement

I don't account for taxes because its too hard to predict what the tax hit will actually be. Until gains are realized or 401k withdrawals made, the taxes on them don't exist so I'll just factor them in as an expense when calculating my retirement expenses. My net worth graph is only for tracking pro...
by barnaclebob
Mon Oct 01, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Airline shortened layover
Replies: 17
Views: 1336

Re: Airline shortened layover

You'll probably be fine if the flight is on time. Do you have to go through immigration or anything like that?
by barnaclebob
Mon Oct 01, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 13
Views: 1065

Re: Car accident, diminished value claim?

I made a diminished value claim by just asking so I'd suggest negotiating yourself paying for an appraisal. Got $1500 on a car worth about 19k. They offered first, $1000. I just said I'd like to get closer to 10% of the value of the car which I said was 20k so $2,000. They came back with $1500, clos...
by barnaclebob
Sun Sep 30, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8352

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

You wont get mega rich unless you earn mega money through your job, own a business, or getting extremely lucky. The stock market can improve your situation but your earning potential is most important. You wont get rich being a stay at home day trader no matter how many computer screens you buy.
by barnaclebob
Fri Sep 28, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Framing concerns for new construction/custom build
Replies: 16
Views: 1636

Re: Framing concerns for new construction/custom build

Thank you, all. I feel reassured. We have never done this before, and so hearing the outside opinions of all of you intelligent people is really valuable. I truly appreciate your time. Not to dampen your spirits (pun intended), but I personally would be concerned. ... Just because the warped/cracke...
by barnaclebob
Fri Sep 28, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 39
Views: 3423

Re: How to charge much higher than Credit Card Limit

itgeek wrote:
Wed Sep 26, 2018 10:10 pm
(I understand the fee. Miles value still works out much better)
I'm interested to see this calculation. Must be a fee of 20-30k for say a million or two miles. I guess that can come out ahead for business class award tickets.
by barnaclebob
Thu Sep 27, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Framing concerns for new construction/custom build
Replies: 16
Views: 1636

Re: Framing concerns for new construction/custom build

If an engineer put their stamp on it you probably don't have any recourse for asking for anything to be replaced. Houses are basically a web of wood and for the most part any single piece of structure that's not some kind of main steel or wood beam isn't that important by itself. Its also very possi...