Search found 90 matches

by BarbaricYawp
Wed Dec 12, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21657

Re: What percentage of your net worth is your home equity?

For others with illiquid small business assets, how do you count them? That would make for a more interesting and reasonable discussion than the absurd notion that home equity doesn't count. Agreed. Trucks, trailers and tractors all have significant residual value once they are fully depreciated. S...
by BarbaricYawp
Wed Dec 12, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21657

Re: What percentage of your net worth is your home equity?

OP, I do not count my house as part of my net worth. If someone is counting the house as part of their net worth, they had bought too much house. KlangFool Not sure I follow the logic of this. If you have rental properties with positive equity, wouldn't you include that in the calculation? Yes, les...
by BarbaricYawp
Fri Nov 30, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4412

Re: How do Bogleheads justify taking vacation?

So can Bogleheads and financially prudent people explain to me... WHY do you take vacation? Are you not upset over wasting so much time and money? Setting aside people who have some kind of un-diagnosed depression, low-esteem or social anxiety IMO everyone benefits from blowing out the cobwebs peri...
by BarbaricYawp
Wed Nov 28, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Calling all 50-60 year old homeowners with kids/families
Replies: 36
Views: 4165

Re: Calling all 50-60 year old homeowners with kids/families

Been in the same house for 22 years. Our basement was completely unfinished and open plan. While dry, it was chilly (below ground, no insulation) and tended to accumulate misc items in random piles because we didn't have a way to store sports equipment, holiday items etc. We bartered for some of the...
by BarbaricYawp
Tue Oct 16, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4092

Re: Corporate politics/culture

Ah yes, the vaunted "Hundred Day Plan". :oops: Anything that is publicly traded is prone to this scenario. You missed the part where the new CEO starts cutting RD/IP funding -- even though the company doesn't have a stable product pipeline -- because 'what we have already is such a cash cow/needs wo...
by BarbaricYawp
Wed May 23, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5500

Re: Buy an old farmhouse?

I'm actually surprised none of the Bogleheads brought this up, but a small farmstead can be the source of WONDERFUL ag tax deductions. Since you are both teachers and off for the summers you could consider raising specialty vegetables, small livestock, bees etc. Incorporate and apply for your local ...
by BarbaricYawp
Mon Aug 01, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to Make Your Money Last
Replies: 8
Views: 2349

Re: How to Make Your Money Last

...requiring new recruits to solicit immediate and distant family members for new business. They call it "training", I have another word for it but it is not fit for print. Of course, they also require new recruits to solicit alumni and friends of alumni. In high school I had a close friend who too...
by BarbaricYawp
Wed Jul 13, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Car for teenage son
Replies: 61
Views: 6540

Re: Car for teenage son

I'm about to go through this for the third time. Kid 1 inherited her dads old car. For Kid 2 we purchased my sisters 10 year old car and invested a little into fixing an assortment of things. For Kid 3 I had planned to give her my 2012 Prius but have since decided I (mostly due to reading this board...
by BarbaricYawp
Wed Jun 29, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 8088

Re: Bogleheads, have we "arrived" ?

I'd add a Sustainable and healthy lifestyle (eating, exercise, regular medical 'maintenance' stuff)

Like LiveSimple I'd also like an explanation of #8
by BarbaricYawp
Wed Jun 29, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Boston area teardown bubble? Sign of a housing downturn ahead?
Replies: 74
Views: 6622

Re: Boston area teardown bubble? Sign of a housing downturn ahead?

I drive by this house every single day: http://www.zillow.com/homedetails/40-Smith-St-Waltham-MA-02451/56357072_zpid/ I saw it built and landscaped and wondered what it would go for when it hit the market. The price was jaw dropping and I believed it would never sell at the original listing price. ...
by BarbaricYawp
Mon Jun 27, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Dogs scratched my car on country road
Replies: 27
Views: 3561

Re: Dogs scratched my car on country road

Two days ago I was trying to locate the start of a hiking trail out in the country. I ended up going down a single-lane dirt road that was not a private road (at least there were no signs, aside from "jesus loves you"). This road was also not a driveway, there are numerous houses lining the road. I...
by BarbaricYawp
Wed Jun 22, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 3910

Re: An actual book on LastPass?

In the future we won't have to deal with this problem anymore as authentication will be all biometric. This is doubtful, biometric is extremely insecure, easily hacked and doesn't increase security but it does increase the rate of dismemberment. Thereby creating a whole new spin on the term 'hacked...
by BarbaricYawp
Wed Jun 22, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 7866

Re: Where (safely and legally) to keep "cash"?

If your concern is a complete breakdown of the financial market, including FDIC, you should really be buying food, guns and ammo, not stashing cash. Right. Anyone who is worried about that scenario and has too much wealth to convert to tangible tradeable and survival goods should have the only mone...
by BarbaricYawp
Tue Jun 21, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 7866

Re: Where (safely and legally) to keep "cash"?

Lady Geek wins...

Although I'm sure there is someone here that will want metrics on the size of the snake vis a vis the amount of the stash.
by BarbaricYawp
Tue Jun 21, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 7866

Re: Where (safely and legally) to keep "cash"?

Since this is a fairly ridiculous question, here is a fairly ridiculous answer: Buy one of these. Note that it 'nests' -- two solid pans on the bottom, sieve pan goes on top: http://www.petsmart.com/cat/litter-boxes/martha-stewart-pets-sifting-litter-box-zid36-23014/cat-36-catid-200094 Ziplock your ...
by BarbaricYawp
Fri Jun 17, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: "How to Make Your Money Last" -- A Gem
Replies: 43
Views: 12205

Re: "How to Make Your Money Last" -- A Gem

I'd nitpick this one: "A house is a money pit, even if there's no mortgage. By slashing those costs and moving to a condo or rental apartment, you'll probably be able to keep up your spending on all the smaller things that give spice to life." Some of us enjoy gardening, animals and moderate house r...
by BarbaricYawp
Fri Jun 17, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 9612

Re: Neighborhood kids setting up lemonade stand on my property

Paintball claymore - https://www.youtube.com/watch?v=1bW2LZDt8gU Or a rubber band Gatling Gun https://www.etsy.com/listing/399944741/rubber-band-gatling-gun-handmade-wooden?ref=related-0 Seriously -- they will probably get bored and wander off within a week. If you want to have them be quieter and ...
by BarbaricYawp
Thu Jun 16, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Helping Picking Vehicle Lowest $/mile
Replies: 29
Views: 2516

Re: Helping Picking Vehicle Lowest $/mile

I have a 2012 Prius, closing in on 100K miles. So far the only repairs have been one set of tires, windshield (truck threw a rock at me from across the median on the other side of the highway!) and the usual oil changes. I use synthetic so can usually go 10K miles between. I've been very happy with ...
by BarbaricYawp
Thu Jun 09, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 15457

Re: What are your friends saying about you?

Petrocelli wrote: Actually, I live in a van down by the river. But on the internet I am a millionaire with a mansion and a yacht. And still, no one cares.

Petrocelli is secretly Elmer J Fudd. :twisted: https://www.youtube.com/watch?v=j7dCTwlAI8Y
by BarbaricYawp
Mon Jun 06, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: Electric Scooter?
Replies: 54
Views: 6003

Re: Electric Scooter?

I've seen these at horse shows. They actually seem to have a decent amount of power (enough to haul 2 people and a dog up an incline) and can be carried in the back of an SUV or similar. Not the cheapest thing out there, but perhaps an option.http://www.humphreysoutdoorpower.com/cicket-mini-golf-car...
by BarbaricYawp
Fri Jun 03, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Anyone convert a van for travel/camping?
Replies: 38
Views: 5350

Re: Anyone convert a van for travel/camping?

Another possibility is a Lance camper -- slides into the bed of a pickup truck but then you have a truck you can use for other purposes if need be. This one is the 2015 model, but I have seen older models around, quite reasonably priced. https://www.youtube.com/watch?v=aJr8GasHHB8
by BarbaricYawp
Wed Jun 01, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: "starter" vs "regular" home
Replies: 47
Views: 5054

Re: "starter" vs "regular" home

We took a slightly different approach -- bought the simplest possible house on the largest piece of land we could afford and 'upgraded in place'. The original living space was probably 1800 sf and allowed for 3 kids and multiple pets. Over the past couple of decades have built value in the house thr...
by BarbaricYawp
Wed May 18, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 75
Views: 8096

Re: Emergency Preparedness

jebmke wrote:If I run out of geese I can always start eating the neighbors.
You are the official Zombie Apocalypse epicenter.
by BarbaricYawp
Wed May 18, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 75
Views: 8096

Re: Emergency Preparedness

As livesoft says, it is basically unprecedented in US history that you would need to go 6-weeks, so that seems like over-preparation. Actually during the anthrax scare they were tossing numbers like that around. OP was thinking of weather-related disasters, but there is more than one kind of natura...
by BarbaricYawp
Wed May 18, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 75
Views: 8096

Re: Emergency Preparedness

For food prep, you could probably do worse than to use Soylent.....It keeps for ages, just needs water and contains 100% of all recommended nutrients. You could live off it indefinitely if you so wished (and some poeple do). Use the green version :shock: +1 I actually went and googled to make sure ...
by BarbaricYawp
Tue May 17, 2016 3:35 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 15883

Re: BREAKING NEWS! S&P 500 Index Tops Jim Kramer

Are we talking returns or rating points, 'cause the measurement of success definitely affects my choice.
by BarbaricYawp
Mon May 16, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 3542

Re: Any beekeepers out there?

How much work is involved to be a minimal beekeeper at a residence with 2 acres of land ? Not much. You should top up the feeder roughly once a week in the active season and check inside the hive about every 2 weeks to make sure everyone is doing what they are supposed to. Other than that the main ...
by BarbaricYawp
Mon May 16, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Any beekeepers out there?
Replies: 35
Views: 3542

Re: Any beekeepers out there?

6 hives, 1 nuc here too. fairly new to beekeeping, but lucky to have a very local store/mentor who is quick to answer questions. If you are just getting started, take a class or two over the winter with your local beekeeping group. Some things are really much easier to understand in person than from...
by BarbaricYawp
Fri May 13, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Lock up your valuables
Replies: 20
Views: 2677

Re: Lock up your valuables

And then there are folks like these... they tried nailing the cabinets shut and that didn't stop the thieving!

https://www.washingtonpost.com/local/so ... story.html
by BarbaricYawp
Thu May 12, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: How to lose a billion dollars...Beer heiress Frances Strohl
Replies: 19
Views: 4508

Re: How to lose a billion dollars...Beer heiress Frances Strohl

You can burn through a lot of money quickly if you have a few family members intent on keeping up a good front. That whole side of town was nuts in the '80s. I went to one of the Strohs lakefront parties and people were arriving by helicopter. It was like LA or something. Major conspicuous consumpti...
by BarbaricYawp
Wed May 11, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 18901

Re: Is a home disaster looming? sump pump running constantly please help!

Yes, the contractor's stance is that this is completely normal and due to the high water table. We had an old-timey contractor come to do some grading on our property a couple of years ago. He like DH so they were swapping tales about crazy things they had seen in their respective lines of work. On...
by BarbaricYawp
Tue May 10, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: What advice (about anything) would you give your 30-35 year old self?
Replies: 29
Views: 4555

Re: What advice (about anything) would you give your 30-35 year old self?

Your good habits will carry you through some tough times, but even the strongest person tires eventually. Pick your battles carefully.
by BarbaricYawp
Thu May 05, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: International Travel Insurance
Replies: 11
Views: 752

Re: International Travel Insurance

Many credit cards provide free trip cancellation insurance if you charge the tickets/hotels. Might want to check into that first.
by BarbaricYawp
Thu May 05, 2016 2:28 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 21385

Re: Revealing Usernames

Wow, these social media billionaires are exceeding the bounds of their previous arrogance levels, aren't they? Uh, how much are you paying to access Facebook? Nothing, right? This is an advertising-revenue model, not a subscriber-revenue model. In order to use the service, you give something up. It...
by BarbaricYawp
Thu May 05, 2016 10:57 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 21385

Re: Revealing Usernames

Wow, these social media billionaires are exceeding the bounds of their previous arrogance levels, aren't they? Uh, how much are you paying to access Facebook? Nothing, right? This is an advertising-revenue model, not a subscriber-revenue model. In order to use the service, you give something up. It...
by BarbaricYawp
Wed May 04, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 17599

Re: Sci-Fi ... your favorite movies and episodes??

Amazing -- nobody has mentioned "Interstellar"!
by BarbaricYawp
Wed May 04, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: *IF* VW buys back my TDI
Replies: 37
Views: 4385

Re: *IF* VW buys back my TDI

crit wrote:Prius, obviously, but it's a pretty harsh, loud ride when I've been in one.
This problem goes away with better quality tires.

I'm curious as to what VW will likely do with all the repurchased cars. Shred? Resell?
by BarbaricYawp
Mon May 02, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 51339

Re: Tesla X

So... anyone straying 'off the reservation' to buy Tesla stock directly? :wink:
by BarbaricYawp
Wed Apr 27, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on farm land
Replies: 5
Views: 833

Re: Taxes on farm land

I'm in VA so YMMV, but we had to show agricultural sales for several years before we were eligible for the discounted tax rate on the farmable portion of our land. It DID save a significant amount of $$, so worth pursuing, just be aware that you may need more than one years worth of Schedule Fs in h...
by BarbaricYawp
Tue Apr 19, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: How To Find My (retirement) Number?
Replies: 64
Views: 6970

Re: How To Find My (retirement) Number?

OP, I do not look at retirement number. I look at Financial Independent (FI) number. I believe most people are overly optimistic to believe that they can be fully employed over the next 20 to 30 years. It is easy to figure out your FI number. Take your current annual expense and multiply by 25 to 4...
by BarbaricYawp
Fri Apr 15, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 14685

Re: University of Virginia vs University of Miami

I have one in UVA already. She loves it. A well-grounded school with lots of resources and lots of smart, motivated kids. Don't know much about U-Miami, but the job market is far stronger in the DC area (and yes, Charlottesville is almost within the metroplex), esp for political science majors. The ...
by BarbaricYawp
Tue Apr 12, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card cancelled
Replies: 71
Views: 7838

Re: Credit card cancelled

You need to figure out what happened to your credit score. If its decreased because of non-use get a rewards card, start using it, and pay it off every month to build up a score. If it's because of something wrong with your credit report you need to fix it. Go to annualcreditreport.gov for a free r...
by BarbaricYawp
Fri Apr 08, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Those four sweetest words ...
Replies: 31
Views: 3832

Re: Those four sweetest words ...

cheese_breath wrote:"Mom's watching the kids." :wink: :wink:
+1

And the next four: "The wine is chilling"
by BarbaricYawp
Fri Apr 08, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Those four sweetest words ...
Replies: 31
Views: 3832

Re: Those four sweetest words ...

cheese_breath wrote:
ponyboy wrote:"I quit"
That's only two words.
Not if you yell it twice. :)

(thread lockdown in three... two... one...)
by BarbaricYawp
Fri Apr 08, 2016 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Those four sweetest words ...
Replies: 31
Views: 3832

Re: Those four sweetest words ...

"take this job and..."
by BarbaricYawp
Thu Mar 31, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 50
Views: 11132

Re: Solar City Sales-pitch

I looked into Solar City briefly and dismissed it for many of the same reasons you outlined. I'm looking to put panels on a large ag building to offset the electric bill we have for powering a farm (possibly some benefit to the house as well), but it's on an ag building and we aren't planning on goi...
by BarbaricYawp
Tue Mar 29, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate License for your own personal RE
Replies: 15
Views: 1778

Re: Real Estate License for your own personal RE

If I am the real estate agent, then I get the commission. As you mention, the price of the agent is already priced into the house. No agent = no commission = lower purchase price. If you are BUYING a house that is listed by another broker/agent the best you can hope for is to split the commission. ...
by BarbaricYawp
Tue Mar 29, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate License for your own personal RE
Replies: 15
Views: 1778

Re: Real Estate License for your own personal RE

I got mine twice in 2 separate states ages ago mostly because I wanted to fully understand the ins and outs of what would probably be the largest purchases of my life. Plus I thought it was kind of interesting. I've found it very useful but not sure that getting an actual license serves you better t...
by BarbaricYawp
Fri Mar 25, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: "Mitigating the Risks of Cognitive Decline"
Replies: 45
Views: 7323

Re: How I prepared.

In the hope that I can help other Bogleheads, I am happy to share my personal preparations for my cognitive decline and ultimate death (I'm 92). My wonderful wife of 62 years died on May 10, 2013. Fortunately, we were well prepared with Last Will and Testaments ; Living Wills ; Durable Power of Att...