Search found 3014 matches

by barnaclebob
Fri Dec 07, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 32
Views: 1737

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

Ive got a jbl charge 3 thats great quality and very loud.
It could easily be enough for most college apartment sized parties. Ive also got a jbl flip 4 for the shower and it would be loud enough for most rooms.
by barnaclebob
Fri Nov 30, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: T12 Florescent tubes
Replies: 11
Views: 768

Re: T12 Florescent tubes

Replace it with an LED or replace the whole fixture with an LED fixture. The ones from costco have a great color tem and if you just replace the bulb with an LED bulb make sure its not one where you have to rewire the fixture to eliminate the ballast.
by barnaclebob
Fri Nov 30, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4030

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

Whats specifically causing it to not start? Was this a dealer quote?
by barnaclebob
Fri Nov 30, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Experience with return at Guitar Center yak!
Replies: 3
Views: 374

Re: Experience with return at Guitar Center yak!

Try amazon next time. So many brick and mortar stores seem to love giving people a reason not to use them.
by barnaclebob
Fri Nov 30, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4363

Re: How do Bogleheads justify taking vacation?

Money is a tool to live your life. It is not a goal by itself. Yes, this. Bogleheads or "financially prudent people" don't focus on accruing money for the sake of accruing money Oh really? Everyone shaking their heads at the OP should refresh their memories with this thread: “Is there such thing as...
by barnaclebob
Fri Nov 30, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4363

Re: How do Bogleheads justify taking vacation?

Sounds like you've got things figured out. Do what makes you happy.
by barnaclebob
Thu Nov 29, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2014

Re: Buying with no interest

Too much of a pain to open a cc for zero interest on a couple grand.
by barnaclebob
Thu Nov 29, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Explain to me what bonds are.
Replies: 15
Views: 1327

Re: Explain to me what bonds are.

Just to be clear, you already own bonds via VBTLX (total bond market fund). So why the desire to add other types of bonds vs just buying more VBTLX? Are you trying to reduce taxes, reduce risk, someone at work said ibonds are the greatest thing in the world, etc? Now I'm going to sound really ignor...
by barnaclebob
Thu Nov 29, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Explain to me what bonds are.
Replies: 15
Views: 1327

Re: Explain to me what bonds are.

Just to be clear, you already own bonds via VBTLX (total bond market fund). So why the desire to add other types of bonds vs just buying more VBTLX? Are you trying to reduce taxes, reduce risk, someone at work said ibonds are the greatest thing in the world, etc?
by barnaclebob
Thu Nov 29, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 2718

Re: Remodeling - tipping?

I think giving a gift is fine if they have done a good job especially since bad contractors are a nightmare. Had you not called it a "tip" in your title and post you'd be getting different responses since the tipping topic is always a bit controversial here with the same posts each time. Something l...
by barnaclebob
Thu Nov 29, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Gift tax question
Replies: 175
Views: 6640

Re: Gift tax question

OP, Nobody will be able to prove that this wasn't a gift if you and your parents say it is. Nobody can prove that it also isn't a gift because you decided to give the money back because you felt bad for taking it. If you give the money back over the course of a few years to stay under the IRS limits...
by barnaclebob
Thu Nov 29, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Travel with small child(ren)
Replies: 8
Views: 1016

Re: Travel with small child(ren)

My wife has positive memories of her road trips from the Midwest out to Colorado and other western national parks even though she says she was a difficult child during them.
by barnaclebob
Wed Nov 28, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3416

Re: How do value the cost of commuting?

No way in heck would I trade working at home for a job that requires 2+ hours in the car every day for just 25k a year. I'm not sure i would do that for any price unless it would allow me to retire in 5 years or less.
by barnaclebob
Tue Nov 27, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Withdrawals
Replies: 11
Views: 1013

Re: Withdrawals

It has been stated many times that as long as you don’t sell when an asset drops it will recover. ??? I have never heard anybody say this, nor can I think of any rational behind it. You are way overthinking this. What is your target AA? Withdraw from each of your 3 funds to get to your target AA. I...
by barnaclebob
Tue Nov 27, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Tire rotation pattern question
Replies: 8
Views: 501

Re: Tire rotation pattern question

Either the tires or the manual can be more restrictive. If you put unidirectional tires on an car that the manual recommends a crossover during rotation then you'll only want to rotate front to back with no crossover. Conversely if i put bidirectional tires on my car that recommends front to back wi...
by barnaclebob
Tue Nov 27, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Encouraging a 20-yr old graduate to focus. Help!
Replies: 6
Views: 842

Re: Encouraging a 20-yr old graduate to focus. Help!

Your daughter was never on a trajectory to make money anyway. You will not win against love, and quite frankly sound like a terrible person for basically wanting her to throw this guy away because he has a serious illness. I know a few people that sound like your daughter, they may never be rich wit...
by barnaclebob
Tue Nov 27, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 4937

Re: So that's why 2-day shipping isn't what I expected!

No problem with amazon shipments here.
by barnaclebob
Mon Nov 26, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9135

Re: Networth to buy a dual turboprop aircraft?

gd wrote:
Mon Nov 26, 2018 8:50 pm
This thread is remarkable in that the OP never even disclosed if he/she is a pilot.
I think if OP were a pilot they would not have needed to ask this question.
by barnaclebob
Mon Nov 26, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-payment penalty mortgage
Replies: 16
Views: 1522

Re: Pre-payment penalty mortgage

dm200 wrote:
Sun Nov 18, 2018 6:32 pm
Others may have a different opinion, but I want to get a mortgage from a bank or credit union that will not sell the servicing of the mortgage loan.
Good luck getting that in writing.
by barnaclebob
Wed Nov 21, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss tax help & wash sale
Replies: 10
Views: 719

Re: Tax Loss tax help & wash sale

I'm too lazy to look up the ticker symbols so cant answer that. But losses are deductible from your gains first , then ordinary income up to the limit, and then carried over to the following year .
by barnaclebob
Wed Nov 21, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: 1 Week vacation in February 2019, to get away from the Midwest Winter
Replies: 45
Views: 3802

Re: 1 Week vacation in February 2019, to get away from the Midwest Winter

How about Belize? Quick flights from the US and reasonably cheap.
by barnaclebob
Wed Nov 21, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Floodlight with motion sensor
Replies: 17
Views: 1094

Re: Floodlight with motion sensor

My motion sense floodlight which is 2 stories above the ground which it covers works fine from that height. Remember that the body height of someone will be a few feet less than the ground height. Thanks. What brand ? Also, can floodlight security motion sensors be tested in the daylight (does one ...
by barnaclebob
Wed Nov 21, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Floodlight with motion sensor
Replies: 17
Views: 1094

Re: Floodlight with motion sensor

My motion sense floodlight which is 2 stories above the ground which it covers works fine from that height. Remember that the body height of someone will be a few feet less than the ground height.
by barnaclebob
Wed Nov 21, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Difference in hot water tank BTU's
Replies: 6
Views: 682

Re: Difference in hot water tank BTU's

In theory the BTU rating only shows how fast the new water will be heated up assuming similar heating efficiency between models. It has nothing (or very little) to do with how much hot water is available. All other things being equal, if a 38k btu/hr model takes 30 min to recover from the hot water ...
by barnaclebob
Wed Nov 21, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Electric wrench / screwdriver for the home auto mechanic
Replies: 27
Views: 1520

Re: Electric wrench / screwdriver for the home auto mechanic

I'd get one of these: https://www.homedepot.com/p/Milwaukee-1-2-in-Square-Drive-Impact-Wrench-with-Rocker-Switch-and-Friction-Ring-Socket-Retention-9071-20/100596038 The disadvantage of the corded models is that they don't fit into as tight of spaces as the compact battery models. The other disadva...
by barnaclebob
Wed Nov 21, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Electric wrench / screwdriver for the home auto mechanic
Replies: 27
Views: 1520

Re: Electric wrench / screwdriver for the home auto mechanic

I'd get one of these: https://www.homedepot.com/p/Milwaukee-1-2-in-Square-Drive-Impact-Wrench-with-Rocker-Switch-and-Friction-Ring-Socket-Retention-9071-20/100596038 The disadvantage of the corded models is that they don't fit into as tight of spaces as the compact battery models. Be sure to use imp...
by barnaclebob
Tue Nov 20, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Downing sizing home
Replies: 15
Views: 2563

Re: Downing sizing home

Could be fine if you plan to live there for a long time. A lot of the developments that were going up in 2007 in my hometown are still below their original selling prices so I'm always weary of buying in new developments. The homes that were in established neighborhoods have done fine.
by barnaclebob
Tue Nov 20, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Partnership Agreement
Replies: 11
Views: 418

Re: Partnership Agreement

He's advocating a 52 / 48 equity split and that he be allowed to make any tie-breaking decisions. What do you mean tie breaking decisions? Its impossible to have a tie with a 52/48 split. What he says goes, period. Can you give him the extra 2% equity but structure the company so you have equal say...
by barnaclebob
Mon Nov 19, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: New car - aftermarket upgrades vs higher trim
Replies: 28
Views: 1872

Re: New car - aftermarket upgrades vs higher trim

The only way you are getting better leather seats than OEM is custom upholstery. It could be possible to find some junkyard leather seats that are drop in replacements. The power and seat heaters might not work though.
by barnaclebob
Mon Nov 19, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8412

Re: How high can House prices go

Townhomes: All of the downsides of houses and apartments combined into one!
by barnaclebob
Mon Nov 19, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Water Vapor "Fire"place
Replies: 2
Views: 656

Re: Water Vapor "Fire"place

How about a wood burning insert, chimney liner, and use it to produce some real heat? The water vapor thing does look pretty decent based on youtube videos but it doesn't look like it produces much heat otherwise the vapor flow would be disrupted. I would avoid gas logs in the fireplace because that...
by barnaclebob
Mon Nov 19, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17094

Re: Vanguard lowering Admiral level to $3,000?

HAWK23 wrote:
Mon Nov 19, 2018 9:50 am
Strange. The little button to convert to admiral shares shows up for me on my VTSMX and VGTSX but when I click to convert it says I don't have enough even though I have 4K In each.
Same here, but I did just purchase these shares (REIT Index) on Thursday.
by barnaclebob
Fri Nov 16, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5164

Re: Incompetent home inspector - what to do?

One thing you will need to figure out is if that if the things on the inspection report will mean that you need to update the disclosure statement for the house. I don't know how that works and it could vary by state. Pretty sure you only need to update a disclosure if what is in the inspection is ...
by barnaclebob
Fri Nov 16, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5164

Re: Incompetent home inspector - what to do?

AJS wrote:
Fri Nov 16, 2018 3:44 pm
If I ever sell another house, I will be walking around with the inspector. I also don't have a mortgage so I will be more in control the next round.
Most buyers won't let a seller be present during an inspection.
by barnaclebob
Fri Nov 16, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5164

Re: Incompetent home inspector - what to do?

If you are still wanting to sell your house now, perhaps it is worth it to have your Realtor inform the buyers that their inspector made a bunch of errors. You are happy to invite them over to show them how these things operate and also pay for a second inspector to come through the home. You might...
by barnaclebob
Fri Nov 16, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Rollover - Time out of market
Replies: 28
Views: 2440

Re: Rollover - Time out of market

25k out of the market for a week or two is small potatoes. Some years you'll get lucky some you wont.
by barnaclebob
Fri Nov 16, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to Decide Future Investments
Replies: 15
Views: 1260

Re: TRYING TO DECIDE FUTUTRE INVESTMENTS

I recently attended 401k a seminar that introduced me to annuity index funds with great American insurance co. It wasn't a seminar, it was a sales pitch. Beware. If your retirement income is fixed via a pension and social security and covers your expenses, then you probably don't need any kind of a...
by barnaclebob
Fri Nov 16, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1807

Re: One food I could never give up

Does "pork" count as a single food? A pig is probably the most versatile animal.
by barnaclebob
Fri Nov 16, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3631

Re: Home sale etiquette: wall repair

Leave the holes. Most of the nail holes will end up being reused or covered anyway unless you have pictures hanging everywhere. Filling might be more visible than leaving them there and for sure don't try to paint over just the hole because that might look worse.
by barnaclebob
Thu Nov 15, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12286

Re: How Long / Hard To Become a Millionaire on Under $100k Income

If you live in a city on the west or east coast, it will be a long road. Live in Wichita? then you are sitting pretty. So few people make it because most people don't make much more than what their expenses cover even if they don't spend extravagantly. Its always easy to blame others' lack of saving...
by barnaclebob
Thu Nov 15, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 32
Views: 2198

Re: Mouse in the house

Just keep some snap traps in the attic and check them a few times a year. If you hear more mice or see more droppings check them more often, add more, or relocate them as needed. Definitely not worth getting the dead mouse out of the wall. They probably have a couple tablespoons worth of moisture in...
by barnaclebob
Wed Nov 14, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 36
Views: 2324

Re: 30" or 36" induction range for remodel?

First thing I did when I bought my current home was to rip out the Thermador 36" gas cooktop, and replace it with a 36" Kenmore induction cooktop. I would never consider any cooktop other than induction. Much safer, power efficient, and I don't burn fossil fuels . I'm very much a kind of cook at ho...
by barnaclebob
Wed Nov 14, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19715

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

FWIW, my net worth was down 55k last month, maybe 6 months of savings. It was the first time it had been down in 32 months. The total increase for the prior 32 months is +851k and maybe about 300k of that was new contributions. I think it's much easier if you've had a ton of gains in the market, in...
by barnaclebob
Tue Nov 13, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3231

Re: Any space heaters that automatically maintain a temperature in a room!

Does the room need more air circulation? A space heater on the ground might be in 10 degree cooler temps than halfway to the ceiling due to temperature stratification. When we had a renter in our finished basement apartment he was running two oil space heaters quite a bit to keep his pet reptile hap...
by barnaclebob
Tue Nov 13, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19715

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Its best not to equate the swings in your portfolio with how long it would have taken to generate that amount of money in wages. Or at least don't do it on just the negative side. How much are you up overall in the past few years? I know what I'm up is many years worth of wages without having to lif...
by barnaclebob
Tue Nov 13, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2121

Re: Global Entry Turnaround Time ?

I wouldn't worry about the crime question right now. I think they will ask you about it at the interview. I was surprised by one question. On the application, there is a question whether you have violated any customs laws. I had forgot the previous year returning from Singapore, I had put an apple ...
by barnaclebob
Tue Nov 13, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2121

Re: Global Entry Turnaround Time ?

I finished my application and paid on Oct 17th, still says waiting for approval. I leave for Asia Dec 1 so lets hope it comes through in time.
by barnaclebob
Tue Nov 13, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing New Home - Down Payment 20 or 25%??
Replies: 19
Views: 1158

Re: Purchasing New Home - Down Payment 20 or 25%??

How long would it take you to save that 5% back up? With secure jobs and a high savings rate it can be safe to go down to low liquidity for a short time. When I bought my first house with 20% down I was slightly concerned I might have to delay closing by two days so we could receive our paychecks an...
by barnaclebob
Tue Nov 13, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 36
Views: 2324

Re: 30" or 36" induction range for remodel?

A 200lb propane tank for the range could be an option if you want a flame to cook with. That would probably add several k to your remodel though. A 6 burner stove is something I really want and would use a decent amount. We find ourselves with pressure canners, stock pots, etc on the stove while als...
by barnaclebob
Tue Nov 13, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2808

Re: Upstairs Floor is No Longer Used....

Keeping the doors closed upstairs and the heat turned off up there shouldn't be a big deal as long as it doesn't get down to crazy low temps. Having a workout room be colder seems like a bonus.