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Re: Can my computer hear me?

I'm going to say coincidence, but who knows?
by bottlecap
Tue Apr 22, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Can my computer hear me?
Replies: 22
Views: 1304

Re: is whole life insurance a good investment?

Life insurance is not a good investment vehicle. Life insurance for children is unnecessary. They have no one to support.

JT
by bottlecap
Tue Apr 22, 2014 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: is whole life insurance a good investment?
Replies: 17
Views: 1360

Re: Good scotch recommendations, where to buy

There's a lot of good scotch recommendations here. Edradour is another one, perhaps not as great as some of the others, but it is reasonably-priced and is palatable to those used to decent whiskey, as opposed to scotch. I believe it is the smallest distillery in Scotland. You are supposed to add a v...
by bottlecap
Tue Apr 22, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 44
Views: 2364

Re: Fix Car or get short term rental/lease

Figure out what it is first. This could be nothing or it could be something big.

JT
by bottlecap
Mon Apr 21, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Fix Car or get short term rental/lease
Replies: 5
Views: 332

Re: Is there an alternative view ? [Alternatives to index fu

Yes, there is an alternative view that says, "pay us higher fees" or "buy our book selling this method" and you will do better than average. There are scant studies backing this up, and those that are out there are bought and paid for by these same firms. Or you can choose to tru...
by bottlecap
Sat Apr 12, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Is there an alternative view ? [Alternatives to index funds]
Replies: 14
Views: 1334

Re: HSA cost benefit analysis

So under the first plan, the only out of pocket costs you will have are drug copayments? If that's the case, it would seem your worst case scenario under the HMO is very unlikely, no?

JT
by bottlecap
Sat Apr 12, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA cost benefit analysis
Replies: 23
Views: 1664

Re: New TV or Sound bar?

I wound up going with the Vizio sb4251. It solved the dialog problems and will connect to your phone through bluetooth for music. It has a wireless sub connected to wired rear speakers. For $250 or so at Costco, we've been very happy. The only problem for you is that it doesn't have an HDMI connecti...
by bottlecap
Wed Apr 09, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2221

Re: Market falling emotions

You won't want to invest three years from now when it's still falling, either.
by bottlecap
Mon Apr 07, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2183

Re: Student Loans -- a surcharge on your job?

Student loans are a surcharge imposed by the monopoly that controls education. You pay that surcharge in the hopes of getting a better job.

The reason to pay it off quickly? One figure: 7.5%

JT
by bottlecap
Sat Apr 05, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans -- a surcharge on your job?
Replies: 26
Views: 1626

Re: passive versus active

No, no, no. Your premise seems to be since reward must involve risk, risk must involve reward. Not so. Some investments are risky without reward. Where you really go wrong, however, is your hypothesis that because active returns less than passive, active "might" be less risky. This does no...
by bottlecap
Sat Apr 05, 2014 8:17 am
 
Forum: Investing - Theory, News & General
Topic: passive versus active
Replies: 25
Views: 1223

Re: Two Years Free Toyota Service

bengal22 wrote:So the 2 year free service ends 2 years after you purchase the vehicle?


That was my takeaway!
by bottlecap
Sat Apr 05, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: Two Years Free Toyota Service
Replies: 8
Views: 753

Re: Auto Accident Advice

BTW, although I am a Gator (Emmitt Smith and Tim Tebow are among my all-time favorites), I am also a huge fan of Tennessee Vol Peyton Manning, who I think may the the classiest athlete in the world. Thanks, Kenner. Although I root for the "other team" in Tennessee (no offense to Tigers or...
by bottlecap
Fri Apr 04, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 31
Views: 1708

Re: Auto Accident Advice

Although I do not agree with your contention that people do not comprehend what is meant by the concept of "release of all claims". I would at least argue that most people would understand what is meant by "a release of all claims, including property damage and personal injury, arisi...
by bottlecap
Fri Apr 04, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 31
Views: 1708

Re: Auto Accident Advice

Is there something in Tennessee law that says a release of all claims, agreed to by the parties, is not a release of all claims? Once again, I was not originally referring to your post. However, now that you mention it, not everyone knows what is mean't by "all claims," so simply stating ...
by bottlecap
Fri Apr 04, 2014 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 31
Views: 1708

Re: Auto Accident Advice

If you do get the other party to sign something make sure it releases you for all damages, not just property damages JT I'm quite sure that's why I mentioned that OP would be well-advised to obtain a release for "any and all claims arising from the accident". It's a good thing you're quit...
by bottlecap
Thu Apr 03, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 31
Views: 1708

Re: Auto Accident Advice

If you do get the other party to sign something make sure it releases you for all damages, not just property damages. This can be done, but you are likely giving up any insurance coverage by not notifying your insurance company should the other party change their mind. That is the danger in settling...
by bottlecap
Thu Apr 03, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 31
Views: 1708

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

If you like the car and don't want a new one for aesthetic or safety reasons, it would likely be cheaper in the long run. Of course, you engine could blow two months from now... You should shop it around, though. It seems high, but not too crazy - it is probably largely labor. I had to replace the t...
by bottlecap
Thu Apr 03, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1134

Re: Best ways to show daily news to 9 year old

I can't imagine a 9 year old being interested in the news, but are Cialis ads that suggestive? I bet she won't notice them. If she does, have something rehearsed to explain it to her in an age appropriate way. Aren't public schools already teaching sex ed at such tender ages anyway?

JT
by bottlecap
Thu Apr 03, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 1913

Re: vanguard and coffee

chaz wrote:Vanguard doesn't lose money.


Just like Chuck Norris doesn't lose fights.
by bottlecap
Wed Apr 02, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: vanguard and coffee
Replies: 4
Views: 1138

Re: Maintenance $$'s spent over the lifetime on your Car

I don't keep exact records of vehicle repairs, but I get an oil change when the light comes on, which is usually about a year apart. My last one was in October 2012. I replace tires when they blow out. That seems to happen about yearly, as well. This is some truly shocking stuff. And I'm a guy that...
by bottlecap
Wed Apr 02, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 2369

Re: Vanguard role in corporate governance

jerrygarcia1 wrote:In a previous posting, the compensation of the Boeing CEO was used as an example. While it may not be a large amount per share, executives of much smaller companies also get very large compensation packages.


If you reseach it, I think you will find that this is not true.

JT
by bottlecap
Wed Apr 02, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard role in corporate governance
Replies: 21
Views: 1061

Re: Vanguard role in corporate governance

What differnce do you think it would make? I was able to find the numbers for Boeing. CEO compensation is .00267% of revenues or .0207% of operating expenses. If you paid the CEO nothing, it would amount to 2.5 cents per share, or .0194% per share. I'm not saying that Vanguard should ignore corporat...
by bottlecap
Wed Apr 02, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard role in corporate governance
Replies: 21
Views: 1061

Re: Maintenance $$'s spent over the lifetime on your Car

Timing belt on most cars is about $120. If you buy a new car, it will need oil changes, tires and timing belts, too. If that's all the maintenance you had to do, you have yourself a good vehicle.

JT
by bottlecap
Tue Apr 01, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 2369

Re: LED bulb prices

In my experience, if they work for a week or so, they seem to tend to keep on working, the same as with CFL's. I've probably had a 15 or 20% failure rate with CFLs, but they usually last about a year before quitting. I just replaced 2 one year old bulbs and 1 two year old bulbs with the Costco bran...
by bottlecap
Tue Apr 01, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8566

Re: I'm 18 and very eager to start investing in stocks. Advi

Yeah, i can wait till 50 :P But i just meant financial freedom as in not living paycheck to paycheck, being able to travel, and just live comfortably in general while still working. And maybe own a really fancy car ;) Well, you're well ahead of your peers - I have no doubt you'll get there. Just wa...
by bottlecap
Sun Mar 30, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm 18 and very eager to start investing in stocks. Advice?
Replies: 42
Views: 2430

Re: Thoughts on New SUV Purchase

If it were me, I'd look at the Highlander, the Mazda or a Ford if you can find one you like. I want to like the Durango, but Dodge isn't exactly known for their reliability and I can't get past it. A Tahoe or a Suburban will nickel and dime you to death, as a lot of little things go wrong with them ...
by bottlecap
Sun Mar 30, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on New SUV Purchase
Replies: 14
Views: 1237

Re: Purchasing New Tires for Car and Need Suggestions

OEMs aren't idiots - there are normally good reasons they picked the tires they did (performance, cost, ride, weight, MPG impact, etc.). No, manufacturers are not idiots. My guess is that they typically chose an fairly acceptable tire that they can get the cheapest deal on from the tire manufacture...
by bottlecap
Sun Mar 30, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2043

Re: I'm 18 and very eager to start investing in stocks. Advi

In order to put your money "to work" for you, you have to make it and save it. Everyone wants to get rich quick while investing, but probably 98% of those that try wind up broke. Done correctly, nvesting is a slow, boring process. It is good you are taking an interest in your financial fu...
by bottlecap
Sun Mar 30, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm 18 and very eager to start investing in stocks. Advice?
Replies: 42
Views: 2430

Re: Purchasing New Tires for Car and Need Suggestions

Tirerack is a good site, as others have mentioned. Costco is a good place to buy. The factory tires are rarely the best for your vehicles. If you can swallow the price tag, Michelin makes some great all around tires.

JT
by bottlecap
Sun Mar 30, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2043

Re: I'm 18 and very eager to start investing in stocks. Advi

In order to put your money "to work" for you, you have to make it and save it. Everyone wants to get rich quick while investing, but probably 98% of those that try wind up broke. Done correctly, nvesting is a slow, boring process. It is good you are taking an interest in your financial fut...
by bottlecap
Sun Mar 30, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm 18 and very eager to start investing in stocks. Advice?
Replies: 42
Views: 2430

Re: Fund expense and profit

It doesn't matter. The funds don't have the same holdings.
by bottlecap
Fri Mar 28, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Fund expense and profit
Replies: 13
Views: 452

Re: (Lack of) Emergency Fund - Are We Crazy?

Just realize that your $70,000 might be $30,000 when you need it. Then selling and spending it locks in a $40,000 loss. The point of the emergency fund is to avoid buying high and selling low.

JT
by bottlecap
Fri Mar 28, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3471

Re: Example of efficient markets, or not?

Efficient doesn't mean smart.
by bottlecap
Thu Mar 27, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Example of efficient markets, or not?
Replies: 14
Views: 641

Re: Were These Investment Advisors Lying or Incompetent?

I also asked if they knew the difference between a net ER and a gross ER (both were listed), and they said they would have to get back to me about that as well. Seems condescending to put someone on the spot like that. They were invited to give the presentation after all. I wasn't deliberately tryi...
by bottlecap
Thu Mar 27, 2014 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5897

Re: Perils of Market Timing

It is quite a useful tool as a lesson. The really funny thing is that the only time this fund significantly perked up was in 2000 and 2008, then everything else was tanking. The minute the market did halfway decent, Comstock began to turn down.

JT
by bottlecap
Thu Mar 27, 2014 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Perils of Market Timing
Replies: 12
Views: 1456

Re: Why does a Boglehead move to an adviser at 1.25% AUM?

I agree with dbr on this issue. While some of the concerns are legitimate, many of the reasons are completely bogus. The answer, unfortunately, is not this advisor.

JT
by bottlecap
Wed Mar 26, 2014 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why does a Boglehead move to an adviser at 1.25% AUM?
Replies: 63
Views: 4237

Re: Sustainable wage increases over the long term?

Very complex. I would first challenge the presumption that wages must always rise. If you try that thought experiment, you can come up with many reasons why they may not. You also have to realize that many of these calculations don't include total compensation and the effect of part time work. Even ...
by bottlecap
Wed Mar 26, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Sustainable wage increases over the long term?
Replies: 20
Views: 1172

Re: Lawyer, Small Claims Court, or ?

I'll add another vote for talking it out with the owner first. If you are rebuffed, then get a lawyer.

JT
by bottlecap
Wed Mar 26, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer, Small Claims Court, or ?
Replies: 27
Views: 1257

Re: IRA Earned Income Contribution.

Yes, that's not problem.

JT
by bottlecap
Wed Mar 26, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Earned Income Contribution.
Replies: 1
Views: 120

Re: help for a fellow seeker

Three fund portfolio? Yes. Ditch advisor? Yes. Ether do it yourself or find a fee only advisor if you aren't comfortable. Buy house with a friend to rent out? No. It's complicated, expensive and unecessary, unless you wanted to do it as a second job. Even then, I wouldn't do it with a friend. You pr...
by bottlecap
Mon Mar 24, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: help for a fellow seeker
Replies: 30
Views: 2650

Re: Convince me to get a credit card

No. I don't like being ordered around. JT Come on guys, all these non-responses are getting tiresome. OP's request was perfectly clear. You think it is? Really? What is the request, exactly? Has he (she?) given any indication a) whether he wants or doesn't want a credit card or b) what circumstance...
by bottlecap
Mon Mar 24, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 94
Views: 5109

Re: Convince me to get a credit card

No. I don't like being ordered around.

JT
by bottlecap
Mon Mar 24, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 94
Views: 5109

Re: Phone calls trying to sell me stocks

How about this: Tell him your brother in law works for the SEC. Ask if he minds if you record the call so that you can run all the details of this potential investment by him before purchasing.

JT
by bottlecap
Wed Mar 19, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2004

Re: Diff between prev HC, health care and workers comp?

I don't think there is anything called preventative health insurance. Why would you buy insurance for checkups alone? You would have to pay more in premiums than it would cost you out of pocket, because there really is nothing to insure. Health insurance covers your medical care. Worker's compensati...
by bottlecap
Wed Mar 19, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Diff between prev HC, health care and workers comp?
Replies: 5
Views: 274

Re: Phone calls trying to sell me stocks

Common tactic with the exact same spiel. Used to get these calls at work. Said the same thing you did, and got the same responses.

JT
by bottlecap
Wed Mar 19, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2004

Re: Children: Are they worth every penny?

HomerJ wrote:
bottlecap wrote:I also can't imagine that your husband being 53 would be a problem


Really? Being 66 when kid #3 is 12 isn't a problem? And 69 when kid #5 is 12?


Kid five is your idea. But no, being 66 with a 12 year old is not a big deal, assuming the father so wishes.

JT
by bottlecap
Wed Mar 19, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4599

Re: Children: Are they worth every penny?

I don't think so, but I do think there is a middle ground. Will one more child really be as expensive as 2 or 3 more? Why not take it one at a time (barring twins) and see how things go? Ultimately, this is a matter of the heart. I can't imagine your children will resent your decision. I also can't ...
by bottlecap
Wed Mar 19, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4599

Re: Gas Grill - Natural Gas vs Liquid Propane

Basically, your decision is convenience. Propane may be a little hotter and perhaps slightly less safe, but problems are rare. The big difference to me is that NG is more convenient.

JT
by bottlecap
Tue Mar 18, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Gas Grill - Natural Gas vs Liquid Propane
Replies: 46
Views: 6726

Re: Tipping should be based on time not amount

yatesd wrote:I order a beer at the counter....whether it is a bottle or pouring a draft I am obliged to pay $1 for a $4 beer. 25% tip for handing me a beer. I really wish there were more self serve options.


There is no such thing as self service alcohol in this country and probably never will be.

JT
by bottlecap
Tue Mar 18, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Tipping should be based on time not amount
Replies: 33
Views: 1964

Re: Boglehead's view on Real Estate investing

I agree with Sally. I crunched some numbers and my stocks/bonds portfolio has yielded 1.72%/year over a 22 year period. Real estate has yielded 6.5%/year over the same 22 year period. Ooh, ooh! Pick me a cherry too while you're at it! :D Moreover, does this include taxes and upkeep? It's a side job...
by bottlecap
Tue Mar 18, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead's view on Real Estate investing
Replies: 31
Views: 2642
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