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by bottlecap
Sat May 23, 2015 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: need some clarification, just read "Bogleheads guide to investing"
Replies: 6
Views: 441

Re: need some clarification, just read "Bogleheads guide to investing"

Welcome. Here are my thoughts: 1. Go with 70/30 or 65/35. The age in bonds or age minus 10 in bonds is a guideline, not a hard and fast rule. 2. You don't need cash in your portfolio. Cash is for emergency funds and known expenses less than 5-7 years out. 3. You can do this, but you will pay taxes o...
by bottlecap
Sat May 23, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2016 Premium Increases some 36%
Replies: 40
Views: 2468

Re: ObamaCare 2016 Premium Increases some 36%

hmmm Irrational fear of paying for medical care. I only started paying the 14,000 premium in the past few years. Before that I had BC of Tennessee group plan with my employer which still had a 2600.00 deductible. I don't know how old you are but if you are only paying 4000.00 a year you are A. Youn...
by bottlecap
Sat May 23, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2016 Premium Increases some 36%
Replies: 40
Views: 2468

Re: ObamaCare 2016 Premium Increases some 36%

You can't beat scarcity, no matter what your politicians tell you. The operation of economics stops for no industry and no government. However, part of the reason that healthcare premiums go up is because people have an irrational fear of paying for medical care - which you may have. Despite meeting...
by bottlecap
Thu May 21, 2015 5:42 am
Forum: Personal Consumer Issues
Topic: Firestone A/C Repair
Replies: 10
Views: 578

Re: Firestone A/C Repair

I would take it to somewhere other than Firestone and get a second opinion. Not only would I question Firestone's integrity, I'd question their skill. Even if you don't, a second opinion before a major repair never hurts.

JT
by bottlecap
Thu May 14, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: Free if you sign up (Home Depot card)
Replies: 18
Views: 2121

Re: Free if you sign up (Home Depot card)

greg24 wrote:You would have to offer me a heck of a lot more than $38 for my SSN/DL#.


Same here. Not only are you giving this information away, you're signing up for mailing lists and changing your credit score. No thanks.

JT
by bottlecap
Tue May 12, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4095

Re: Credit Cards are Good

This is big news. Somebody should post about it! Seriously, credit cards are neither good nor bad. You list some good reasons to have them and some bogus reasons to have them. And the operative statement is "If you pay your bill off every month." Many people don't. That's why credit cards ...
by bottlecap
Tue May 12, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Epoxy garage floor?
Replies: 20
Views: 2073

Re: Epoxy garage floor?

I'm having some work done in my garage soon, to fix some drywall, lay down plywood decking in the attic, then painting the entire thing. This is a pretty standard size 2 car garage. I'm considering having a professional put an epoxy coating on the floor to spiff things up. This is 30+ year old conc...
by bottlecap
Tue May 12, 2015 8:37 am
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 1401

Re: Mechanics fails to fix problem

Sure this must happen all the time. Take a car in for repair, mechanic fixes the problem, you drive away only to find out he hasn't fixed the problem at all. Now you have two problems: the original problem, plus a bill for repairs that failed to fix the problem. What do you do in a situation if any...
by bottlecap
Mon May 11, 2015 8:57 am
Forum: Personal Consumer Issues
Topic: Leather sofa sets for my living room
Replies: 11
Views: 1419

Re: Leather sofa sets for my living room

Costco. They have a number of sets. We paid a little more than $2,500 for our set (it included a recliner as well), but you can get one in that range. Most of their stuff is not bonded. After store shopping for months, we took a chance because we ordered our set online (couldn't sit in them first), ...
by bottlecap
Mon May 11, 2015 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Extrapolating Future Trends From Past: Never or Just Sometimes?
Replies: 12
Views: 641

Re: Extrapolating Future Trends From Past: Never or Just Sometimes?

Nothing is guaranteed, but past performance is not what makes people think that the stock market is a worthwhile investment. It is the theory as to why the stock market is a worthwhile investment, combined with past data suggesting that the theory is correct that permits us to rely, in part, on the ...
by bottlecap
Sun May 10, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3959

Re: Brand Loyalty

A quality product will often keep me buying that brand. However if I buy something again and it's not the same quality, I will often try to avoid that company in the future. I am the same way. I don't think this is brand loyalty. This is more like positive brand recognition. You know that they have...
by bottlecap
Fri May 08, 2015 8:02 am
Forum: Investing - Theory, News & General
Topic: Fed Chair Yellen Warns on Stock Valuations
Replies: 22
Views: 3899

Re: Fed Chair Yellen Warns on Stock Valuations

Luckily, Yellen's crystal ball is probably cloudier than ours.

JT
by bottlecap
Wed May 06, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3178

Re: Buying new car

My best advice is don't have your heart set on a Forester beforehand. They will see you coming a mile away.

Good luck,

JT
by bottlecap
Tue May 05, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Frugal car maintenance - Lexus serviced by Toyota
Replies: 49
Views: 3514

Re: Frugal car maintenance - Lexus serviced by Toyota

You don't "save" anything going to the dealer. That's the sad truth.

JT
by bottlecap
Sun May 03, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9168

Re: Will you buy self-driving car?

Sure. They will happen and will likely be all that's on the road someday in the next 25 years or so. I'll probably miss driving, but will be far more free to drink during transit, so it will be a worthwhile trade-off, especially on long trips!

JT
by bottlecap
Fri May 01, 2015 7:18 am
Forum: Personal Consumer Issues
Topic: Oh Hail! [fix hard to see hail damage to car?]
Replies: 24
Views: 1615

Re: Oh Hail!

If you didn't notice it in the first place, it's clearly not a big deal. Now that you are aware of cosmetic damage you can barely see, you don't want to drive around in it? Doesn't make sense to me. Pocket the check, drive it for as long as you like, and sell it when you're done driving it (disclosi...
by bottlecap
Thu Apr 30, 2015 5:43 am
Forum: Investing - Theory, News & General
Topic: What would happen if everyone at Fidelity went Boglehead?
Replies: 42
Views: 3541

Re: What would happen if everyone at Fidelity went Boglehead

You don't think Vanguard makes a profit?

JT
by bottlecap
Wed Apr 29, 2015 9:08 pm
Forum: Personal Consumer Issues
Topic: to repair 2002 subaru or replace it
Replies: 15
Views: 903

Re: to repair 2002 subaru or replace it

Assuming everything described is correct, it sounds like it's time for a new car.

JT
by bottlecap
Wed Apr 29, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 9848

Re: New car every 5 years instead of 10?

If you want a new car, buy a new car. If you want to save money, don't. You could also buy an extended warranty for your old vehicle. Also not financially sound, but if the thought of paying for a repair is more emotionally draining than is the idea of shelling out big bucks for an insurance policy,...
by bottlecap
Wed Apr 29, 2015 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Broke buy quarterly
Replies: 40
Views: 2793

Re: Broke buy quarterly

not trying to beat the market, i buy stocks at which i think is a fair value, and stay the course... If you're not trying to beat the market with this strategy then you are either a) trying to tie the market or b) lose to the market. If it is a), then save your time effort and extra expense by inve...
by bottlecap
Mon Apr 27, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 2906

Re: Prepping a house for sale: What are the priorities?

Do you have or plan on having a realtor? If so, you should ask them what they think. I think doing all of the stuff would make your home sell faster, but you might not get all that money back out of it. In some areas, new carpet and paint would be attractive, in others, the buyer might expect to do ...
by bottlecap
Sun Apr 26, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1624

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
Fri Apr 24, 2015 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Approach to Second Act Career Switch
Replies: 22
Views: 2289

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
Thu Apr 23, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 2939

Re: What is a Boglehead?

Low Cost Investing?
by bottlecap
Thu Apr 23, 2015 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 7519

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
Wed Apr 22, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4637

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 9:57 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 34
Views: 1626

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
Tue Apr 21, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2905

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 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4833

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: 4833

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: 4833

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 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6194

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 1:21 pm
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 37
Views: 2805

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
Fri Apr 17, 2015 7:36 am
Forum: Investing - Theory, News & General
Topic: Baby boomers bad for stock market?
Replies: 27
Views: 2618

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
Thu Apr 16, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2793

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
Sat Apr 11, 2015 8:29 am
Forum: Personal Consumer Issues
Topic: Car maintenance/time to change car?
Replies: 27
Views: 2489

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
Thu Apr 09, 2015 10:08 am
Forum: Investing - Theory, News & General
Topic: Bogle possible mistake? Discussion [on age-based portfolios]
Replies: 67
Views: 6982

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
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: 1124

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 01, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: My car is (supposedly) totaled. What to do?
Replies: 26
Views: 2420

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 6:44 am
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 12
Views: 2482

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 6:29 am
Forum: Investing - Theory, News & General
Topic: Would Robo Advisor replace index fund and passive investment
Replies: 17
Views: 1692

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
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: 2222

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 8:39 am
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 12
Views: 2482

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 6:34 am
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 4720

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
Fri Mar 27, 2015 8:56 am
Forum: Investing - Theory, News & General
Topic: My Lucky [Trading] Friend
Replies: 13
Views: 2008

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 8:53 am
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7005

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
Tue Mar 24, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: repair or replace old car?
Replies: 26
Views: 2723

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
Mon Mar 23, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9463

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
Sat Mar 21, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9463

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
Fri Mar 20, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 4298

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...

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