Search found 2746 matches

by barnaclebob
Tue Aug 21, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 46
Views: 1915

Re: Co-habitation agreement - ??

Bull. But, thank you for contributing a male viewpoint here, bob. The fact that this woman has no adult children (or apparently other close relatives) may have made her a target. I guess you are just better than me at assessing a 1 year romantic relationship based on a single paragraph a stranger w...
by barnaclebob
Tue Aug 21, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 37
Views: 2394

Re: Landlord Nightmare

Post screenshots but blur out any personal info.
by barnaclebob
Tue Aug 21, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 46
Views: 1915

Re: Co-habitation agreement - ??

This forum is famously super conservative on relationships and money. :oops: Until you are married suspect that they are trying to steal every penny and put every possible legal protection into place. Even after you are married too. Tell her to write up a lease agreement that is available for free f...
by barnaclebob
Tue Aug 21, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 38
Views: 1119

Re: Discount broker stocks dive on news J.P. Morgan Chase to offer free trading

Maybe they know most people who trade their own stocks probably wont even beat JP's high cost managed options and they'll be able to upsell them on that once they collect enough data.
by barnaclebob
Mon Aug 20, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 10
Views: 1645

Re: Bay Area housing frenzy cooling

We have been in the market for a house this summer and all agents are saying the market is seeing fewer people seeing homes, fewer offers coming in per house, and slight more inventory, and yet expected sale prices are still the same. My theory is that buyers haven’t wisened up yet to what’s going ...
by barnaclebob
Mon Aug 20, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 49
Views: 4091

Re: Sellers beware on eBay.

If you itemize your taxes, garage sales and ebay are a waste of time for low dollar items. Donate and deduct. A few boxes of clothes and other items can easily add up to a $500 deduction.
by barnaclebob
Mon Aug 20, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 3432

Re: No advance notice to employer

I'd call in sick and then give my notice. Its probably not worth the trouble vs having having to work another 2 weeks.
by barnaclebob
Sat Aug 18, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 1951

Re: oil pan threads stripped - pan saver okay?

I wonder if you can drill and tap it for a larger plug.
by barnaclebob
Fri Aug 17, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off personal loan at house closing?
Replies: 12
Views: 856

Re: Pay off personal loan at house closing?

Seems a little weird but whatever way gets your money. You only pay taxes on income so if shes just paying back the same that you paid him then there is no income.
by barnaclebob
Fri Aug 17, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 46
Views: 2690

Re: Quote from Electrician

Smoke detectors save lives, sure...probably not as many as most people think (http://freakonomics.com/2012/02/06/how-many-lives-do-smoke-alarms-really-save/), but anyone is foolish not to have smoke detectors in their home. Do laws requiring hard wired, interconnected fire alarms save lives? Doubtf...
by barnaclebob
Thu Aug 16, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 46
Views: 2690

Re: Quote from Electrician

My electrician charges $25/hr...and he's on point! He is a family friend and he gets paid under the table. $180/hr is laughable. I can see maybe $70/hr on the higher end. But $180/hr is highway robbery. My guess is they really dont want the job, but if you're willing to throw that much money at the...
by barnaclebob
Thu Aug 16, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2709

Re: Sign - Speed checked by Radar

I like the ones that say "enforced by aircraft". I've always wondered how the aircraft plans to stop a speeding vehicle, rather than simply monitor it? yeah, I'm 99% sure those are BS 99% of the time they are BS but in the St. Louis area there are (or at least used to be when i was growing up there...
by barnaclebob
Thu Aug 16, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 46
Views: 2690

Re: Quote from Electrician

Keep in mind the electrician probably can't do another job that day so you may as well be paying for their whole day. $1000 seems good to me, I doubt you will get any "custom" trade to give you nearly a days work for less than a grand. Is it worth your time to maybe save a few hundred? If so keep lo...
by barnaclebob
Wed Aug 15, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4372

Re: Adult piggy bank

Atilla wrote:
Wed Aug 15, 2018 2:57 pm
I use one of those big 5-gallon glass bottles you ferment beer in.
How will you get the coins out? Or is that for your heirs to figure out? Those things will cut to an artery if they break and the shards hit your leg or foot.
by barnaclebob
Wed Aug 15, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4372

Re: Adult piggy bank

Just about any container you like can be used. What are your hobbies? Pick something related to that. My wife had a large baby bottle shaped piggy bank, maybe about 2 gallons in volume, from her childhood and it now sits at the back of my closet about 20% full accruing about $10 a year worth of chan...
by barnaclebob
Wed Aug 15, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 2097

Re: Are merchants more (too) careless these days?

Someone who's ringing up thousands of items a day for crappy hourly wage doesn't have any reason, nor IMO moral responsibility, to be surprised nor apologetic for mistakes. Only to fix it. Just today I was accidentally (?) disconnected while on hold, nearly crashed into at low speed when someone's ...
by barnaclebob
Wed Aug 15, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 1959

Re: Sidewalk repair - price in line?

If the contractor looked like he had his stuff together and you can afford it, pay it and move on. Dealing with contractors these days is a huge PITA so I generally stop looking for bids as soon as I get one that looks like they will show up on time, has good reviews or referrals, has proper licensi...
by barnaclebob
Wed Aug 15, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Beginner Help with inheritance
Replies: 10
Views: 758

Re: Beginner Help with inheritance

Edward Jones is one of the worst, probably only second to Northwestern mutual and other whole life insurance pushers. Are you sure this trust is iron clad? What makes it iron clad? The last clause in the trust is that the money shall remain in control of the advisor at Edward Jones, and is also han...
by barnaclebob
Tue Aug 14, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Beginner Help with inheritance
Replies: 10
Views: 758

Re: Beginner Help with inheritance

By the time you will know enough to pick a good advisor, you will know enough to DIY. How much are we talking approximately? Its not until you start getting near the estate tax limit that you really need to do anything different. 2 mil should be treated about the same as 100k for most situations. Re...
by barnaclebob
Mon Aug 13, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 58
Views: 4643

Re: Marriage

Its really up to you. Responses in the past have ranged from "we keep every penny separate and put money into a joint account for shared expenses with a ratio of hours worked factored by relative salaries blah blah blah" to just combine it all and agree on what you do with your money. If you were bo...
by barnaclebob
Fri Aug 10, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6279

Re: Paper checks yes or no?

Yes, I think I've gone through 1 or 2 of the original box I got from the bank a decade ago.
by barnaclebob
Fri Aug 10, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4929

Re: Air Conditioning? [How to finance?]

I'm a north Seattle suburb resident: Summer is more than halfway over. Wait until next year and save the money over winter.
by barnaclebob
Fri Aug 10, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7438

Re: Rude response from boss re: market adjustment

You made a proposal for a salary increase for your entire department as a part time employee :shock: Its not very surprising that it was turned down.
by barnaclebob
Thu Aug 09, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2267

Re: First time taking kids to airport..

z91 wrote:
Thu Aug 09, 2018 4:01 pm
Long-term parking is around $80. A shuttle is about $55 (no waiting, no stops). No idea about taxis, but I don't like supporting them..been screwed so many times on fares and poor service.
Pay the extra $25 for parking to not have to worry about rides before and after the trip.
by barnaclebob
Thu Aug 09, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8447

Re: Huge mortgage mistake

You didn't make a huge mistake, you are looking at a couple thousand dollar mistake at worst. You need to evaluate whether its worth it to refinance into a lower rate and pay the fees with the refi or to just pay the extra PMI and higher rate for the 10 years it will take you to pay it off. My philo...
by barnaclebob
Wed Aug 08, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Insurance refusing to pay for car accident
Replies: 26
Views: 2387

Re: Insurance refusing to pay for car accident

Yes, it was a single hit, car C hit Car B and Car B plowed into my car. I took the car to a local body shop and they estimated the damage to be around $3,500. This is different than what you said in the first post. (C hits B, which hits you vs B hits you then C hits B) It depends on your particular...
by barnaclebob
Wed Aug 08, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 6944

Re: When is leaving your job that pays well a good idea?

I'm pretty much in your same situation except I don't really hate my job. On a scale of 1-10 its probably a 7 which I can easily tolerate due to the lifestyle I can have out of work. We recently upgraded our lifestyle with a much much better house and coming home is like going on vacation. Many of m...
by barnaclebob
Fri Jul 27, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 2619

Re: Home Addition Finance

What is bad about the layout and why is your wife unhappy with it? Many old houses are ruined by "opening" them up and putting in contemporary kitchens that don't fit the house.
by barnaclebob
Fri Jul 27, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: soccer practice next to highway during rush hour
Replies: 8
Views: 917

Re: soccer practice next to highway during rush hour

Whats the point of living a little longer if you can't live while alive. I wouldn't worry about it.
by barnaclebob
Fri Jul 27, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: selling used car with hail damage
Replies: 30
Views: 1718

Re: selling used car with hail damage

List it just a few hundred under what a non hail damaged car might go for and if it doesn't sell keep bringing the price down.
by barnaclebob
Thu Jul 26, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Moral dilemma - What would you do?
Replies: 54
Views: 5602

Re: Moral dilemma - What would you do?

I'd need more details on why it isn't the best solution for the client and what the consequences to the client are. If this will somehow ruin someones life at the clients company vs just providing something that works ok but isn't the best there is then that's different. To make an analogy out of it...
by barnaclebob
Thu Jul 26, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2562

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

We have wood tiles in our bathroom and they look great there. Previous owner was ahead of trend when she installed them 7 years ago. I would not want it as a wood floor replacement unless the construction or environment of the house made hardwood a problem for some reason.
by barnaclebob
Wed Jul 25, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2230

Re: Pet burial

I would guess that the dirt fluffy turned into would be excavated as part of digging the foundation for the building that would go on the property. Will you really care THAT much in 50 years though? Permanent graves in general seem really silly and selfish to me. Why should future generations have t...
by barnaclebob
Wed Jul 25, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5523

Re: Home Theater vs. Soundbar

I'm not an audiophile but I am very happy with our Klipsch G42 passive soundbar and wireless 10" sub. We initially didn't have a subwoofer and it badly needed the bass. If you are getting a nice receiver why not have it power the speakers in the soundbar too? Its definitely not surround sound so you...
by barnaclebob
Tue Jul 24, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Question about share dilution
Replies: 26
Views: 1566

Re: Question about share dilution

... Then comes the reverse split which is really bad. Aside from the fact that reverse splits are most usually undertaken when the share price has greatly fallen, what's wrong with them? PJW When I saw it happen while watching my friend waste money on penny stocks they would do something like a 50:...
by barnaclebob
Tue Jul 24, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Question about share dilution
Replies: 26
Views: 1566

Re: Question about share dilution

Are you really talking about penny stocks where this is common? Share dilution is usually a bad thing and will cut your share price and % of ownership. Then comes the reverse split which is really bad.
by barnaclebob
Tue Jul 24, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: indoor houseplants--your advice?
Replies: 19
Views: 1398

Re: indoor houseplants--your advice?

Get an aloe plant. The are nearly impossible to kill. Ours (or the "children" it split into) is about 8 or 9 years old now. The one my dad had when we were a kid was put in a walkout basement window and probably only watered every few months at best.
by barnaclebob
Tue Jul 24, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Are laminate floors better-wearing than real hardwood?
Replies: 36
Views: 2734

Re: Are laminate floors better-wearing than real hardwood?

I don't think hardwood is allowed in a kitchen. It is definitely allowed but will likely wear a little faster than the rest of the house. We owned our house with hardwood in the kitchen for 8 or 9 years + however long the previous owners had the hardwood installed, maybe 5 years? There was dirt wor...
by barnaclebob
Tue Jul 24, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: New mailbox and post, plus install
Replies: 16
Views: 1170

Re: New mailbox and post, plus install

If the ground is soft a post hole digger will get the job done. If you have rocks you'll want to get a rock bar and maybe a pick mattock as well. I'm a fan of treated lumber directly in the dirt and having an easier time replacing it than putting it in cement. Depending on your location you may have...
by barnaclebob
Tue Jul 24, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Are laminate floors better-wearing than real hardwood?
Replies: 36
Views: 2734

Re: Are laminate floors better-wearing than real hardwood?

A coworker installed lumber liquidators flooring and their child promptly spilled a full glass of water on it which they didn't catch for an hour. The floor was permanently damaged. I find it hard to believe that anything that costs .99 cents a square foot will either look good or perform well long ...
by barnaclebob
Tue Jul 24, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 65
Views: 6243

Re: I want to sell my home, but I don't want to fix it up

Go to Home Depot, tell them you want to install a new window. Put in one of those Andersen vinyl windows, have them install it. Now while they are installing it, ask them if they do other work. If they do, come to an arrangement- but it shouldn’t cost anywhere near $150k to fix it. For that kind of...
by barnaclebob
Tue Jul 24, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 3995

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

Bought a blended leather couch and loveseat for about $800 maybe 6 or 7 years ago. They have slip covers on now because the "Durablend" is all kinds of flaking apart. Admittedly it's partly our dogs fault but all she did was sleep on it. Disappointed. How long did you get out of it before it starte...
by barnaclebob
Mon Jul 23, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Advice
Replies: 3
Views: 380

Re: Personal Investment Advice

Have you looked at the 3 fund portfolio on the wiki? You'll also need to consider what your emergency fund is. Many people on here say keep something like 6 months salary in a high yield savings account. I say its better to just have slightly more conservative investments once you get to a certain a...
by barnaclebob
Mon Jul 23, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2600

Re: Rain shower

I also hate rain showers. Do the people who rain showers just lean forward to keep their head out of the water? I can't imagine water constantly coming over the front of your face is pleasant. Neither is stepping in and out of the water.
by barnaclebob
Mon Jul 23, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 2920

Re: Mother-in-Law criticizing my wife over our recent house purchase

Man I would not want to be my MIL if she criticized my wife on our house purchase. I love my wife.
by barnaclebob
Mon Jul 23, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home, how to head off a bidding war.
Replies: 29
Views: 3871

Re: Buying home, how to head off a bidding war.

Bid over asking price with a 24 hour time limit on offer. This is what sold my house before our review period. You should be pushing the appraisal envelope in your offer. My realtor was still able to bring in 2 other good offers but there was no time to counter them. Our house was listed at 475k, w...
by barnaclebob
Mon Jul 23, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 7793

Re: Engineers come in.

I only got an A in one math class in my engineering degree. The math and other courses get much harder than calc 1 so he needs to be prepared to put in some time if calc 1 was a challenge.
by barnaclebob
Fri Jul 20, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2247

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: 157
Views: 13360

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: 7
Views: 919

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...