Search found 2829 matches

by barnaclebob
Mon Sep 24, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 38
Views: 1994

Re: Vacation without saving adequately?

I cant really think of any dollars that I miss. I can think of a couple times where I wish I would have spent more on a certain experience.

Take the vacation assuming it wont cause much hardship to replenish the funds. Worst case is you have to say no next year or take a cheaper vacation.
by barnaclebob
Mon Sep 24, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 55
Views: 3567

Re: Ripped off by a locksmith

I've read most locksmiths charge people before unlocking because people see how easy it was then refuse to pay. I'm curious as to what he could have done had you only agreed to pay $100 since your door was already open.
by barnaclebob
Mon Sep 24, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage application: Disclosing All Assets?
Replies: 14
Views: 1187

Re: Mortgage application: Disclosing All Assets?

I think when we applied for our last loans to buy our current house, a traditional mortgage and a 2nd mortgage/heloc to cover the gap before we sold our first house, we disclosed all assets. But the loan officer mentioned something about having plenty of assets and she didn't even need to submit the...
by barnaclebob
Mon Sep 24, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 72
Views: 4553

Re: Emotional Investor - I'm a mess and need help!

...I don't like this experience since it totally removes me from any decision making. I want to feel more involved. You have proven yourself bad a making investment decisions. Why do you want to be involved anymore than having a passive portfolio and rebalancing? Why do you think you can make your ...
by barnaclebob
Fri Sep 21, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investing my first million
Replies: 34
Views: 4933

Re: Investing my first million

Thanks a lot for your responses! I'll read those links later today but, let me already answer some of your questions: Do you have a tax-deferred company plan--401k, 403b, etc? I don't. The reason is that I moved to the US fairly recently, and I'm not sure yet if I'll stay here for many more years, ...
by barnaclebob
Fri Sep 21, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Converting Tablespoons to (non-liquid) ounces
Replies: 3
Views: 255

Re: Converting Tablespoons to (non-liquid) ounces

You'll need a scale. Weigh out how much a tablespoon or 5 is and do the math. Or you could measure the dimensions of the box up to where its filled and convert that to tablespoons.
by barnaclebob
Fri Sep 21, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 2951

Re: Simple-minded sayings?

I always liked "yeah and if granny had wheels she'd be a wagon"
by barnaclebob
Fri Sep 21, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1284

Re: Painting kitchen cabinet

If your paint is peeling now it could keep peeling with a new layer on. You'll want to strip it first, especially if you want a smooth finish. Honestly it may be easier to get new doors. Painting cabinet doors is a lot of work if you want a smooth finish with no brush strokes.
by barnaclebob
Fri Sep 21, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7514

Re: Hubby soon to be laid off

Check what rates you could get for the apartment on airBNB, you might be able to get a lot more than 1600 a month while just having to clean it in between guests. That could be your husbands early retirement job.
by barnaclebob
Thu Sep 20, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7514

Re: Hubby soon to be laid off

No offense, but why stay in a HCOL area for a job that only pays $30-$40K? Sell the house and that $120K mortgage becomes $200-$300K cushion for your portfolio. I don't know why this is always such a common suggestion on this forum. Many people really like where they live and moving is a huge expen...
by barnaclebob
Thu Sep 20, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7514

Re: Hubby soon to be laid off

Sounds like you could go down to one car. This will save you money now and then in retirement.

If he get unemployment benefits then you might be close enough to retirement by the time those end to not worry about it.
by barnaclebob
Wed Sep 19, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 2109

Re: Landscaping costs?

Thats a lot of work spread across a few different disciplines, your quotes don't surprise me but I haven't ever gotten landscaping done.
by barnaclebob
Wed Sep 19, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Patio furniture covers
Replies: 8
Views: 683

Re: Patio furniture covers

Never had covers and my Woodard stuff looks great after 8 or 9 years in the elements. Covers definitely not needed for a screened patio. Covers don't keep anything dry, they accumulate condensation. IMO they are only useful for keeping the table clean during summer so you don't have to wipe it down ...
by barnaclebob
Wed Sep 19, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: any opinions of this fund? Vanguard Dividend Growth (VDIGX)
Replies: 15
Views: 1181

Re: any opinions of this fund? Vanguard Dividend Growth (VDIGX)

This was actually the fund that got me to Vanguard and here because I saw it in a list of "top 10 low cost mutual funds" clickbait article on MSN.com. All I knew at the time was that I needed to dump an expensive fund from John Hancock, SOVIX, ("Sovereign Investors Fund" whatever that means, which w...
by barnaclebob
Wed Sep 19, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5216

Re: State Farm nickel-and-diming me

A relative going straight on a county road got hit by incoming car who took a left turn when it was not their right of way. Relative could have died: it was that bad. Opposing insurance started paying for some medical bills, but over time, stopped paying for additional tests. Relatives health insur...
by barnaclebob
Wed Sep 19, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 44
Views: 3392

Re: Should I bother meeting with a Chase Private Client Rep

I'd only go if you are a salesman yourself and you like seeing other sales pitches to improve your own skills.
by barnaclebob
Wed Sep 19, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1230

Re: Attic Insulation Removal/Replacement Costs

If i received that quote and liked the contractor along with all other due diligence on them, I wouldn't bother getting more quotes.
by barnaclebob
Wed Sep 19, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Fixing diamond ring
Replies: 19
Views: 1339

Re: Fixing diamond ring

I cannot help but wonder how do I know that I got back the same 1ct stone if I leave the ring. After all, I would not know zirconia from diamond on sight, and especially higher quality diamond from lower quality one or the one slightly smaller. I do have certificate for the stone, and it has some k...
by barnaclebob
Wed Sep 19, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Visiting Vanguard Headquarters
Replies: 10
Views: 4483

Re: Visiting Vanguard Headquarters

What was there to see on this tour? I imagine it would just be some pictures of various former leaders and cube farms.
by barnaclebob
Wed Sep 19, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 223
Views: 15151

Re: What is your single most expensive mistake?

Miakis wrote:
Wed Sep 19, 2018 7:59 am
Had the option to sell some stock in a private company for 1.5 M. Submitted the paperwork and everything, but at the last minute, the majority owner convinced us not to. Two years later, the company was nearly worthless due to a regulation change.
1 day fantasy sports?
by barnaclebob
Wed Sep 19, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 223
Views: 15151

Re: What is your single most expensive mistake?

Example 2: was giving a panel in a room filled with excited fans who were eager to buy the Nintendo Wii before it came out. You could cut the energy in the room with a knife. Did I buy Nintendo stock the next day? Of course not. Do you think there were similar rooms of fans for the Dreamcast or Jag...
by barnaclebob
Tue Sep 18, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 2043

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

What are you suggesting the electrical tape for? The outlet should be wired directly or pigtails connected with wire nuts. Side-wire terminals are screws, that are exposed and hot. As an extra layer of insurance, I always wrap the recessed portion of the outlet with electrical tape to cover these t...
by barnaclebob
Tue Sep 18, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 797

Re: Honda Lawnmower Warranty Issue

Tell them that they told you all of the service would be covered under warranty and that even so they have no reason to charge you for a carb cleaning on a brand new carb and that you would like them to send you a copy of the bill showing zero balance. FWIW I have a Snapper with a Briggs and Stratto...
by barnaclebob
Tue Sep 18, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 34
Views: 2059

Re: How to watch baseball playoffs without cable

I'm pretty sure the MLB has a subscription package that allows you to stream on a roku or other streaming device. It might cost like $100 to get all of the games or something like that though.
by barnaclebob
Mon Sep 17, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Travel- overwater bungalows
Replies: 16
Views: 2317

Re: Travel- overwater bungalows

We did one in the Maldives and it was great but probably not something that I would go out of my way to repeat if the resort had great beach front rooms. The swimming and snorkeling right off of our room wasn't that great but it was fun to throw food to the fish at night.
by barnaclebob
Mon Sep 17, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4530

Re: Dilemma: Add room to current house or buy new house?

Finish the basement. I find it hard to believe that another 320sq ft can make a difference to what is probably 4000 sq ft of finished space. It sounds more like your wife needs something to brag about to her friends, either ongoing issues with the "new addition" or talking about how awesome the new ...
by barnaclebob
Sat Sep 15, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3748

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

No flooring will look good if you don't vacuum for 6 months at a time. I treat my wood floors the same as my carpeted floors except I have to wipe up some spots with a damp cloth every now and then.
by barnaclebob
Sat Sep 15, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52493

Re: What is your luxury good?

My house and whisky.
by barnaclebob
Fri Sep 14, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1785

Re: Planning to Contact Vanguard

Right, but how could I make a switch and move the assets to VG funds without knowing their plan? I'd have to give them $10k to figure that out. This only furthers my argument that the common man could not ever really retire. The system is designed to destroy and eat normal people. Don't blame the s...
by barnaclebob
Fri Sep 14, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1785

Re: Planning to Contact Vanguard

Why would you have to pay 10k? Why would vanguard not be interested in your money. In any case Vanguard's advice will probably be fairly basic and cookie cutter. It will be a rep with some letters after their name putting your info into a computer and telling you what it says. Investing shouldn't re...
by barnaclebob
Fri Sep 14, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1785

Re: Planning to Contact Vanguard

Right, but how could I make a switch and move the assets to VG funds without knowing their plan? I'd have to give them $10k to figure that out. This only furthers my argument that the common man could not ever really retire. The system is designed to destroy and eat normal people. Don't blame the s...
by barnaclebob
Fri Sep 14, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Amount
Replies: 7
Views: 447

Re: Extra Mortgage Amount

I'm not sure you can just "add' extra money to a mortgage except if he were to put less of a down payment. This would not be a good idea if PMI kicks in. Seems like he would be better off opening a HELOC. Although the best solution is not buying a house until your emergency fund is or quickly will ...
by barnaclebob
Fri Sep 14, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1756

Re: New Light bulbs

Hyperikon or CREE 2700k
by barnaclebob
Fri Sep 14, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Amount
Replies: 7
Views: 447

Re: Extra Mortgage Amount

I'm not sure you can just "add' extra money to a mortgage except if he were to put less of a down payment. This would not be a good idea if PMI kicks in. Seems like he would be better off opening a HELOC. Although the best solution is not buying a house until your emergency fund is or quickly will b...
by barnaclebob
Fri Sep 14, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Is it a problem that our mortgage lender doesn’t report to credit bureaus?
Replies: 11
Views: 775

Re: Is it a problem that our mortgage lender doesn’t report to credit bureaus?

Does the bank actually own the mortgage note or are they just a servicer? When did you buy the place? It took a few months before my most recent house purchase effected my credit scores but I wasn't actually monitoring my credit report.
by barnaclebob
Thu Sep 13, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2207

Re: How to stay the course when you “think” you can outsmart the market

I truly believe indexing is the best way to invest but sometimes “ideas” get the best of me. For example with the hurricane approaching I thought it would be a smart move to buy Generac, already down 5%. I was curious how often other boggleheads trade short term and how the smart ones have the disc...
by barnaclebob
Thu Sep 13, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3394

Re: Buying a house 1 mile away from a municipal landfill

It is not necessarily a bad idea to buy this house, but it was a bad idea to put in an offer without knowing this. I'd sue the real estate agent who probably suggested a huge earnest offer to go with your offer, right? What world are you living in? There is no way that case would go anywhere unless...
by barnaclebob
Thu Sep 13, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Buying townhome/home -- need opinions
Replies: 26
Views: 1898

Re: Buying townhome/home -- need opinions

Did you do any math? Typically if the total house payment would be less than 1/3 your income you are probably fine.
by barnaclebob
Wed Sep 12, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2491

Re: Anyone into Essential Oils?

pro tip: If you learn about it on facebook, 99% chance its bunk.
by barnaclebob
Wed Sep 12, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: House eaves color
Replies: 7
Views: 474

Re: House eaves color

I had a beige/brownish house with white trim and the eaves matched the color of the main house. It looked fine. This was just the underside of the roof with exposed sheathing and rafters.
by barnaclebob
Wed Sep 12, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 29
Views: 1601

Re: where to learn to sew?

Id say DIY and internet videos. A sewing machine is basically just a continuous stapler. I think many sewing stores will include a class or two and have free workshops if you buy a machine there. Sewing basic stuff can be really easy. The hard part is patterning and then holding stuff in the right p...
by barnaclebob
Wed Sep 12, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5093

Re: Advice on how to deal with barking dogs

"manhandling" a dog would not be considered abuse in most cases unless its causing injury. I'm not saying the dogs aren't neglected or in poor living conditions but don't put too much weight on the word manhandling.
by barnaclebob
Wed Sep 12, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8270

Re: Botched countertop installation - leave it as-is or risk the repair?

Not disagreeing with you, just playing devil's advocate - what if you bought a brand new Lexus with every bell and whistle. You drive off the lot and make it a mile or two when the low oil pressure light comes on. You pull over and check the dipstick. Whoops, it's dry and there is only 1-2 qts of o...
by barnaclebob
Wed Sep 12, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8270

Re: Botched countertop installation - leave it as-is or risk the repair?

Get a high quality siliconized caulk and squeeze a bead around the sink. Should be a straight, smooth line. Done. Take comfort in knowing that it's the same sealant that keeps your walls dry every time you take a shower. Actually the part of the shower that keeps your walls dry isn't visible in a p...
by barnaclebob
Tue Sep 11, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8270

Re: Botched countertop installation - leave it as-is or risk the repair?

Put me in the camp of making a new good looking caulk bead without the blob and monitor it. As long as the cabinets and counter don't settle a bunch it should be fine for many years and re caulking isn't that big of a deal. See if the company will give you a warranty where if it fails then they will...
by barnaclebob
Thu Sep 06, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7499

Re: Should I keep my financial advisor

OP found his way here, he can find his way into a low fee target date index fund while he learns the ropes. He is a high earner and will end up paying millions of dollars to folks like you should he listen to advice like that. Or he can pay thousands to Vanguard, hundreds of thousands to the IRS, a...
by barnaclebob
Thu Sep 06, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7499

Re: Should I keep my financial advisor

Is there not someone you can pay by the hour for this kind of advice? You could hire a quality financial planner--but everybody here has opposed the idea. You need a talking earpiece instead. Or you could hire a CPA--but you don't need one after your first year. You can just copy what he did last y...
by barnaclebob
Thu Sep 06, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4656

Re: To Be or Not to Be...Married

Here we go again with the judging of relationships by this forum based on extremely limited info. OP just need some advice regarding a financial marriage penalty not judging whether their relationship is strong enough for marriage. The OP asked for input regarding her decision to marry... "I know t...
by barnaclebob
Thu Sep 06, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7499

Re: Should I keep my financial advisor

Now, let me tell you about the sale of the business. Same clients, same talking earpiece at USAA. Client had an offer to buy their business. I put it all in a spreadsheet, plugged it into tax software, and told them what their potential tax bite was. Of course, they asked how to lower it. I said, "...
by barnaclebob
Thu Sep 06, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4656

Re: To Be or Not to Be...Married

There are things in life more important than money. I am struggling with the decision to wait on marriage vs. getting it done. In my opinion, if you are struggling enough to ask strangers on the internet then you are not ready to get married. But, yeah, this! Here we go again with the judging of re...