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Re: Cost to deliver a baby today?

Got one coming up. I expect $7k to $10k, just like last time. We paid 90% of it last time and will probably pay more of it this time because of the higher deductibles imposed.

JT
by bottlecap
Sun Apr 26, 2015 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1271

Re: Approach to Second Act Career Switch

Can you change your job within the federal system? Seems a shame leave what you have built in the federal retirement system - well, not leave, but stop accruing. If you have to leave to make a change, be sure whatever you do personally suits you. In the private world, you are subject to a different ...
by bottlecap
Fri Apr 24, 2015 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Approach to Second Act Career Switch
Replies: 18
Views: 1456

Re: What is a Boglehead?

Low Cost Investing?
by bottlecap
Thu Apr 23, 2015 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 54
Views: 2437

Re: Marriage and splitting expenses

My wife and I have two separate accounts with cash in them. We never use them, but they are there. It's enough cash for a short term emergency; not significant compared to our assets, but not an insignifigant sum. Not once in eight years of marriage have we discovered gifts bought for each other des...
by bottlecap
Thu Apr 23, 2015 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6567

Re: Is 2007 Accord 60K mile service worth $300?

At 60k, most of that stuff probably doesn't need to be done or has already been done. Find an independent mechanic and have them take a look; it will be cheaper. Now not all dealers are shysters, but the big hint that your dealer is hoodwinking you is that they offer this "service" at all....
by bottlecap
Wed Apr 22, 2015 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4404

Re: Visiting Nashville during the summer

Lots of good stuff in the first 5 or 6 links located here: https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&ie=UTF-8#q=historical%20sites%20near%20nashville%20tn You don't say what type of history you are interested in, but there are a lot of historic sites within 2 hour...
by bottlecap
Wed Apr 22, 2015 9:57 am
 
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 28
Views: 1242

Re: Broken Oxygen Sensor on Car

Don't do it at the dealer if you can help it. Its been probably 8 years since I had to replace an O2 sensor. I don't think it was much more than $100 all told.

JT
by bottlecap
Tue Apr 21, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2564

Re: Paying for GFs school - any way to help myself?

While how you spend you money is your business, please forgive those that question the wisdom of such expenses, especially under the circumstances. Many young people make more money than they have the experience to handle and make poor decisions with their money. This type of "generosity"...
by bottlecap
Tue Apr 21, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4648

Re: Paying for GFs school - any way to help myself?

While how you spend you money is your business, please forgive those that question the wisdom of such expenses, especially under the circumstances. Many young people make more money than they have the experience to handle and make poor decisions with their money. This type of "generosity"...
by bottlecap
Mon Apr 20, 2015 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4648

Re: Paying for GFs school - any way to help myself?

While how you spend you money is your business, please forgive those that question the wisdom of such expenses, especially under the circumstances. Many young people make more money than they have the experience to handle and make poor decisions with their money. This type of "generosity" ...
by bottlecap
Mon Apr 20, 2015 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4648

Re: My job says I can't work for anyone else...

Non-competes are standard in many industries. They are usually enforceable to varying degrees and under varying circumstances, but those degrees and circumstances are almost entirely state-dependent, as others have mentioned. Some state courts may choose not to enforce them if they are too broad, ot...
by bottlecap
Mon Apr 20, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6075

Re: Buying a Car to commute - SUV or Sedan?

Seems the question is whether the additional cost of ownership is worth the comfort for you. The only difference in cost of ownership (other than maybe insurance and resale value) is going to be mileage. Figure out how much will each option will cost in fuel each year and decide whether that amount ...
by bottlecap
Mon Apr 20, 2015 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 37
Views: 2416

Re: Baby boomers bad for stock market?

Don't worry. Remember, a stock is just ownership of a company, not a commodity. How would baby boomers retiring make companies less valuable? When they divest themselves of stock funds in favor of bond funds, who are they selling to? If the price of something goes down but its value is unchanged, so...
by bottlecap
Fri Apr 17, 2015 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Baby boomers bad for stock market?
Replies: 27
Views: 2517

Re: Help Evaluating Federal Job Offer

Seems pretty much a no brainer. Better pay, better benefits and virtually no way of being fired once you have the job regardless of performance (per a close relative who works for the federal government).

Take it.

JT
by bottlecap
Thu Apr 16, 2015 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2692

Re: Car maintenance/time to change car?

If I were you I'd find a good, honest backyard mechanic and have him/her look at it to tell you what the current state of the vehicle actually is. The golden rule of saving money on vehicle maintenance........ NEVER, EVER, have a dealer service your vehicle. NEVER! My car has been having trouble re...
by bottlecap
Sat Apr 11, 2015 8:29 am
 
Forum: Personal Consumer Issues
Topic: Car maintenance/time to change car?
Replies: 27
Views: 2374

Re: John Bogle possible mistake? Discussion

The statement is hogwash, sprinkled with some truths, like so many other statements purporting to be insightful. I certainly don't believe that Mr. Bogle is infallible, but to my knowledge, he never stated that risk (however defined; which it isn't) decreases over time, nor did he suggest that highe...
by bottlecap
Thu Apr 09, 2015 10:08 am
 
Forum: Investing - Theory, News & General
Topic: Bogle possible mistake? Discussion [on age-based portfolios]
Replies: 53
Views: 5024

Re: I think I know the answer, but.... why do i owe taxes?

I'm pretty sure you choose your withholding, not your employer. They have to withhold, but you are the one that tells them how many exemptions you want and such.

JT
by bottlecap
Wed Apr 08, 2015 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: I think I know the answer, but.... why do i owe taxes?
Replies: 12
Views: 1100

Re: My car is (supposedly) totaled. What to do?

Something similar happened to me about 5 years back. The estimate is based on new parts, you might be able to get it done more cheaply. I received about $2,800, bought the car from the insurance company for $500, fixed it for $1,800 and pocketed the extra $500. I still drive it today. Once totaled, ...
by bottlecap
Wed Apr 01, 2015 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: My car is (supposedly) totaled. What to do?
Replies: 26
Views: 2285

Re: Is this a scam: James Rickards

read one of his books, stir it into the soup.. provoke thought - it's what separates us from lower animals Rickard aside, this suggestion is false logic, and even contrary to the truth. Our brain's ability to quickly (and in many cases, accurately) separate the wheat from the chaff is also what sep...
by bottlecap
Wed Apr 01, 2015 6:44 am
 
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 12
Views: 2322

Re: Would Robo Advisor replace index fund and passive invest

It's not clear what you are trying to say, but In the unlikely event that a computer is able to predict the economic future, it won't be investing anymore. Investors are paid for taking risk. No risk = no pay.

JT
by bottlecap
Wed Apr 01, 2015 6:29 am
 
Forum: Investing - Theory, News & General
Topic: Would Robo Advisor replace index fund and passive investment
Replies: 17
Views: 1601

Re: Advice On Dealer's Offer to Exchange Old for new car

Let me guess: they suggested that there is a high demand for old models like yours?

This is standard stuff to get you to buy a new car. Dealers don't offer you squat unless it's a good deal for them. If you want a new car then you can try and play their game, but otherwise, I'd ignore them.

JT
by bottlecap
Tue Mar 31, 2015 8:43 am
 
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 2103

Re: Is this a scam: James Rickards

If you have to ask the question, it is worthless at best and a scam at worst.

JT
by bottlecap
Tue Mar 31, 2015 8:39 am
 
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 12
Views: 2322

Re: How long do sofas really last

Thanks everyone for the thoughts. I think my conclusions are: a) Longevity is more closely related to the user/use than the furniture itself. One reason more expensive furniture often lasts longer is people take care of it in a way they don't with stuff from Target ("Don't eat dinner sitting o...
by bottlecap
Tue Mar 31, 2015 6:34 am
 
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 4435

Re: My Lucky [Trading] Friend

Kraft timing threads are popping up like mad. I wonder why we didn't hear about the sure-thing nature of the stock a month ago!

JT
by bottlecap
Fri Mar 27, 2015 8:56 am
 
Forum: Investing - Theory, News & General
Topic: My Lucky [Trading] Friend
Replies: 13
Views: 1957

Re: My evil plan backfired

Y'all bought two lottery tickets and one of them hit. The lottery is not an investment strategy! I agree that it's a good idea to let him have a play account that is gone when it's gone. As for talking your husband down, remind him that 2 is a really really, really, really small sample size. No one ...
by bottlecap
Fri Mar 27, 2015 8:53 am
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6848

Re: repair or replace old car?

$1,000 to have no car payment on car you otherwise trust is nothing. Starters go bad. If you don't get it fixed, you're not going to get much for it anyway if you go to sell a car that won't start. So, not only to I think the $1,000 is worth the repair, but I don't see that you have a choice. Good l...
by bottlecap
Tue Mar 24, 2015 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: repair or replace old car?
Replies: 26
Views: 2595

Re: Whats a good Pistol to buy?

1911's aren't prone to jamming and I never heard anyone complain that they were until this thread. I own three and never had an issue. They're great guns.

JT
by bottlecap
Mon Mar 23, 2015 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8968

Re: Whats a good Pistol to buy?

Learn how to fire while under stress or duress. How does one learn this? Training and competitions. It's not the kind of thing a normal range will let you practice. Most don't even like you to draw from a holster . But you can take training focused on real life situations. You can also compete in p...
by bottlecap
Sat Mar 21, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8968

Re: Hearse as daily driver?

Not if you want any sort of fuel economy or if you want other people to ride in it. I could get past the fact that it probably hauled 1,000 bodies, but I bet you'll find that more than a few people would refuse to get in... If you ever need it for business, I wouldn't do it, either. A final consider...
by bottlecap
Fri Mar 20, 2015 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3969

Re: A great shave at a great price

Does this not work for everyone? "Work" is a subjective term. As mentioned above, once you get the hang of a DE, it's a much better shave and much less irritation (in fact, basically none, unless maybe you shave very infrequently). So a cartridge razor "works", but I won't be us...
by bottlecap
Fri Mar 20, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6736

Re: Whats a good Pistol to buy?

If you know nothing about guns and want or need one, do take a class. It will give some knowledge and familiarity with gun safety and gun law (in California, I suspect there are lots of things to comply with). I don't think anything will truly prepare you for a high stress situation, but being famil...
by bottlecap
Fri Mar 20, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8968

Re: A great shave at a great price

Your problem is almost assuredly technique or not having tried enough blades. Hard to tell which because there's not enough information. However, if you get irritation on your neck with a DE, I'd guess you're shaving against the grain. It can be done with a DE, but it must be done right and judiciou...
by bottlecap
Wed Mar 18, 2015 8:47 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6736

Re: Pet insurance?

I just can't fathom ever getting pet insurance under any circumstances. I'd rather give the money to some human that needs help. I am some one who likes animals and always have, but there's no way they are truly "family members" in the sense of needing insurance to cover prohibitive expens...
by bottlecap
Fri Mar 13, 2015 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 32
Views: 2025

Re: Dip? What Dip? Did you catch it?

The dip has come and gone. It was incredibly actionable. I've grown to respect many of your posts, but your penchant for timing threads makes me scratch my head. "Incredibly actionable?" If I could scratch my head and laugh at the same time, I would. These little dips don't mean much and ...
by bottlecap
Thu Mar 12, 2015 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12603

Re: High Cost of Fruits and Vegetables

chessmannextmove wrote:That seems expensive when compared to food that comes from subsidised farms. But that sounds right for organic fruits and vegetables.


The production of fruits and vegetables is largely unsubsidized, whether organic or not.

JT
by bottlecap
Sun Mar 08, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7448

Re: Is this ethical?

Not ethical unless the company if okay with this.

JT
by bottlecap
Sat Mar 07, 2015 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Is this ethical? [Selling company equipment to be disposed]
Replies: 41
Views: 2069

Re: interest rate increase looming. what you gonna do ?

I can't do anything because I passed out long ago from holding my breath about interest rates. At this rate of breath-holding, I'll be dead in five years...

JT
by bottlecap
Sat Mar 07, 2015 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6461

Re: What's with VG Complaints???

People complain about Vanguard customer service sometimes, but I've never had a problem. Now, I'm mostly a do it yourselfer, but did use Vanguard's assistance in a 401K rollover and talked to them about an Individual 401k. On both counts, they were thorough, responsive and helpful. Maybe it's the lu...
by bottlecap
Sat Mar 07, 2015 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3349

Re: Too many people using index funds?

I don't think it takes very much trading to set a price. This is the real truth. Studies have suggested for years that most markets can operate efficiently with only a handful of participants, even as little as 3 (not specifically stock-picking, but in industries). When you think about it, there's ...
by bottlecap
Sat Mar 07, 2015 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Too many people using index funds?
Replies: 38
Views: 5953

Re: How do you decide when to buy car?

when I took my Acura in for an oil change the dealer told me it is starting to show signing of needing several repairs in the near future (new shocks, new engine mounts and some other things I can't remember right now). You might want to get the opinion of someone who doesn't want to sell you a new...
by bottlecap
Sat Mar 07, 2015 9:37 am
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3566

Re: How do you decide when to buy car?

When you drive a vehicle 260,000 miles, there is no one on the planet that can tell you whether it is time for a replacement better than you. Either it needs a repair that will restore your confidence in the vehicle or it needs a repair that won't. If it's one that won't restore your confidence, the...
by bottlecap
Fri Mar 06, 2015 9:14 pm
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3566

Re: Washing Dress Shirts

Get some non-iron/wrinkle free shirts. After you wash them put them in the dryer for only a short time and pull them out while still somewhat wet. Hang them up to dry. Voila, you've avoided the dry cleaners.

JT
by bottlecap
Fri Mar 06, 2015 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2842

Re: Self Employment Retirement Plans

Why not take a look at Vanguard's website? They have a bunch of different types of retirement plans for the self employed. Fidelity is another good option. As to which specific plan he ought to choose, you'd need to give more information. Vanguard will interview you over the phone to help you on thi...
by bottlecap
Fri Mar 06, 2015 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment Retirement Plans
Replies: 19
Views: 1065

Re: Blues (music)

Thanks for the links, as well. I've been a fan for almost 30 years - discovered it while back-tracing some of the stuff I was listening to when I was a kid. One artist or song led me to another and it eventually let me to all sorts of blues. My younger friends get these outlandish looks on their fac...
by bottlecap
Fri Mar 06, 2015 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 45
Views: 2876

Re: Arguing Dental Bill

For $100 I'd just pay the bill and consider it a lesson learned. Never understood why anyone who could afford dental services bought the insurance anyway.

In the future, call the insurance company first, I guess.

JT
by bottlecap
Thu Mar 05, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 2626

Re: Wife tired of saving...

I'd certainly move out of the townhome if that's what she wants. They're not really made for 40 year olds with teenagers.

Sounds like you cant afford the car each of you wants, too. That's not where I'd spend it, but to each his own.

Good luck and good job,

JT
by bottlecap
Wed Mar 04, 2015 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 20098

Re: Rich dad, poor dad

I don't get worked up about it; someone asked about him. The problem with his books is that there are some obvious kernels of truth in it that, if you really don't know these things, can be found elsewhere. He uses these kernels to lend legitimacy to his proposed (and as mentioned, vague) investment...
by bottlecap
Wed Mar 04, 2015 6:45 am
 
Forum: Personal Consumer Issues
Topic: Rich dad, poor dad
Replies: 31
Views: 4174

Re: Rich dad, poor dad

Think about the fact that he never really made any money until he started writing books and "teaching" classes. In fact, I think he found himself in bankruptcy at least once. There's plenty of info on the internet that will make you question this guy. His books are similar to tearing you d...
by bottlecap
Tue Mar 03, 2015 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Rich dad, poor dad
Replies: 31
Views: 4174

Re: Landlord requested addendum to lease

Ludicrous is the right word. There's not only no reason you should sign it, there's a million reasons you shouldn't.

JT
by bottlecap
Mon Mar 02, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Landlord requested addendum to lease
Replies: 24
Views: 2185

Re: Costs of loyalty to employer

It isn't possible for anyone to tell you whether you should change jobs, but I would recommend changing jobs at least a few times in general, especially while young. It may be industry specific, but usually you get more money and respect elsewhere. In addition, if you are hired by current management...
by bottlecap
Sun Mar 01, 2015 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costs of loyalty to employer
Replies: 14
Views: 1755
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