Search found 3480 matches

by bottlecap
Fri Jul 31, 2015 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 51
Views: 3279

Re: Frustrated with low raise

Tell them if you're not happy with it. Tell you like the job and the company, but feel like you've worked hard, put in a lot of overtime and are thus not completely thrilled with your raise. Maybe they'll give you a good reason why they can't afford it right now. Any idea what others got? You are in...
by bottlecap
Fri Jul 31, 2015 6:50 am
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 25
Views: 1408

Re: bogleheadism == Vanguard?

I encourage you to scrub references to Vanguard in anything that you control, like the wiki. Otherwise you run the danger of being perceived as a marketing tool to promote Vanguard, which I assume to not be the case. Please let me know if I am wrong in this regard. What "danger"? Vanguard...
by bottlecap
Thu Jul 30, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn Health Insurance Questions
Replies: 21
Views: 967

Re: Newborn Health Insurance Questions

Would it make sense even in the slightest to switch to this higher premium plan for the year the baby is born? We'd be paying $150/m extra in premiums, but the max out of pocket drops BELOW what it was prior to the baby being born. :shock: Likely. Call your insurer to make certain, but I think this...
by bottlecap
Thu Jul 30, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Major home renovation your thoughts
Replies: 25
Views: 2345

Re: Major home renovation your thoughts

This stuff sounds costly, but there is a reason people don't install sprinklers in their home. Not only is it expensive to install and maintain, fire is a pretty low risk. There's is likely a far greater risk of having your stove set off the sprinklers and ruining all your stuff, require gutting the...
by bottlecap
Tue Jul 28, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6718

Re: Divorce

A lawyer is not a bad idea, especially with previous assets. However, a lawyer is paid to be your advocate and do what's best for you. You don't have to do it and can tell your lawyer you won't be pressing certain issues. As long as you make clear how you want things handled, your lawyer should'nt b...
by bottlecap
Mon Jul 27, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: Economics - Savers vs Spenders and economy
Replies: 13
Views: 1856

Re: Economics - Savers vs Spenders and economy

The real answer is that saving and spending are two sides of the same coin. The key is saving (and investing) wisely and spending wisely. If you save and put it under the mattress (unwise) you simply defer doing anything useful with the money. If you invest it wisely, that money gets put to use crea...
by bottlecap
Sun Jul 26, 2015 8:14 pm
Forum: Personal Consumer Issues
Topic: Durability of consumer goods
Replies: 44
Views: 2402

Re: Durability of consumer goods

I'd add 5 years to almost everything on the list, except for phone, computer, brakes, tires and car battery (the car stuff really aren't consumer goods anyway).

JT
by bottlecap
Sun Jul 26, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Lesson learned about RBD [Really Bad Day]
Replies: 29
Views: 2528

Re: Lesson learned about RBD [Really Bad Day]

That lesson is imprinted in my mind now. Thanks for the post. Waiting for an "RBD" is an emotional construct similar to mental accounting that gives one the idea that a) they are doing "something" instead of nothing and b) that the "something" they are doing has a posi...
by bottlecap
Sun Jul 26, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 4353

Re: Can you return food at a restaurant and not have to pay for it?

Yes, most restaurants will probably do this without any questions asked. I'm sure they build it into the cost for everyone.

JT
by bottlecap
Sat Jul 25, 2015 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Inexperienced Trustee
Replies: 53
Views: 3412

Re: Inexperienced Trustee

I'm sorry to learn of your situation. You may be inexperienced as a trustee, but you appear to be wise. You are asking the right questions. If you are concerned about liability, it seems like the Vanguard Personal Advisor serivce might be the way to go. Otherwise, I like the idea of 40/60 or 30/70, ...
by bottlecap
Thu Jul 23, 2015 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a cup-with-handle pattern?
Replies: 29
Views: 2321

Re: Is this a cup-with-handle pattern?

Try as I might I could never find a true cup with handle pattern beforehand - it was always pointed out to me afterwards.

Thankfully, I found this site and didn't lose too much in the meantime.

JT
by bottlecap
Sun Jul 19, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 4931

Re: Recommendations for gas grill

J295 wrote:Many thanks to all who posted. Weber seems like a very solid choice for us. Enjoy the weekend!


Enjoy. I love my Weber NG. Of course, get a cover for it, too. It should last a long, long time.

JT

P.S. i highly recommend the amazingribs.com website mentioned above.
by bottlecap
Sun Jul 19, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: Car Questions
Replies: 15
Views: 1477

Re: Car Questions

I just wanted to say that consuming a few quarts of oil between oil changes is nothing. Mine did that at 180,000.

JT
by bottlecap
Sun Jul 19, 2015 6:01 am
Forum: Personal Finance (Not Investing)
Topic: 60K Car Maintenance Service = $600. Is this Reasonable?
Replies: 51
Views: 4246

Re: 60K Car Maintenance Service = $600. Is this Reasonable?

No, these services are not worth it. Go to an independent and have him check what the manual says to check. Don't take it to the dealer unless you have to. Even if the dealer is honest, they're more expensive.

JT
by bottlecap
Fri Jul 17, 2015 5:03 am
Forum: Personal Consumer Issues
Topic: At some point in time, is your beater worth it? [car]
Replies: 30
Views: 3242

Re: At some point in time, is your beater worth it? [car]

John, it's time for a new one. It doesn't sound like this one's all that well maintained and, even if you wanted to, the parts aren't there anymore. If you were riding on 12 year old tires, there's a whole bunch of other stuff lurking in there, too. Get a new one and enjoy it. You can't take it with...
by bottlecap
Thu Jul 16, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7529

Re: Are you going to shop on Prime Day?

The "sale" prices were poor and the wares uninteresting. Although Amazon is convenient and I certainly use it, it's "sale" prices are a bit of a joke.

JT
by bottlecap
Wed Jul 15, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: '13 Kia Sorento vs '15 Toyota Highlander
Replies: 19
Views: 1351

Re: '13 Kia Sorento vs '15 Toyota Highlander

I've met people that loved their Sorento and others that hated it. I don't have much to say, except that the "hated it" contingent did not base their opinion on reliability. I've not driven both, but the Sorento and the Highlander appear to be completely different styles. I'd go with whate...
by bottlecap
Wed Jul 15, 2015 8:02 pm
Forum: Investing - Theory, News & General
Topic: Productivity and Pay
Replies: 9
Views: 710

Re: Productivity and Pay

OP, I suggest Googling before posting. As with many statistics, this is intended to mislead. I know, because I was curious (and skeptical) myself.

JT
by bottlecap
Wed Jul 15, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: At some point in time, is your beater worth it? [car]
Replies: 30
Views: 3242

Re: At some point in time, is your beater worth it?

Pajamas wrote:A beater can be less enjoyable to drive even when it is working okay.


To each his own, I guess. I find the exact opposite, although mine's not a beater - it's just old. And the most reliable vehicle we own.

JT
by bottlecap
Tue Jul 14, 2015 7:20 am
Forum: Investing - Theory, News & General
Topic: Any empirical evidence that suggests waiting for a dip
Replies: 56
Views: 3595

Re: Any empirical evidence that suggests waiting for a dip

My concern is that this type of behavior seems very emotional. We see the market go down during the year and feel loss for not waiting. This behavior goes against setting an asset allocation and stocking with it. It feels akin to timing the market. You are precisely correct. If we knew when the sma...
by bottlecap
Mon Jul 13, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8575

Re: The Brainwashing of the American Investor

I'm not trying beat you up about this, but you had to know what the response was going to look like. It is a typical accusation that Bogleheads dismiss alternatives out of hand. I think you are wrong about the "out of hand" part. Your statement was essentially that this guy's method is wor...
by bottlecap
Sun Jul 12, 2015 8:27 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8575

Re: The Brainwashing of the American Investor

Again I do not folow the guy or use his system but I found it interesting and different.I also believe he does very well with it and has been doing it for 40 years. If you actually took the time to really understand his system a little you would not walk away thinking the guy is an idiot or has no ...
by bottlecap
Sun Jul 12, 2015 6:33 pm
Forum: Investing - Theory, News & General
Topic: The Brainwashing of the American Investor
Replies: 68
Views: 8575

Re: The Brainwashing of the American Investor

The buying low, selling high of high quality stocks is the oldest canard in the book. The minute someone suggests that, you can be sure he is trying to part fools with their money. Of course you buy low and sell high and only buy quality to beat the market. EVERYONE knows that. The problem is, no on...
by bottlecap
Sun Jul 12, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: No Income (yet) means No Loan
Replies: 21
Views: 2018

Re: No Income (yet) means No Loan

I was planning on taking SS at 62 long before I found this house. If my parents' ages at time of death is any indication of my time, I'm not waiting around to collect. I'd love to hear if you have a better idea. Thanks. The better idea is to use your taxable account to live off of and delay SS as l...
by bottlecap
Fri Jul 10, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: What about the Ford Edge?
Replies: 47
Views: 3359

Re: What about the Ford Edge?

Over the years, Ford has been a more reliable vehicle brand than the othe American manufacturers in my extended family's experience (although some family Chevy enthusiasts refuse to admit it). I drive an old Ford, but do like the looks of the Chevy's better nowadays. Ford reliability is probably eve...
by bottlecap
Thu Jul 09, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Back door Roth
Replies: 5
Views: 543

Re: Back door Roth

Answer to question 1 is no. No earned income for tax year, no contributions for tax year. But since your wife appears to be retiring mid year, she likely can contribute to an IRA and maybe even a spousal IRA for you. Answer to question 2 depends on what you are trying to do, which is not at all clea...
by bottlecap
Mon Jul 06, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: If you wouldn't buy it, then you should sell it
Replies: 35
Views: 3772

Re: If you wouldn't buy it, then you should sell it

The piece does the nifty trick of both stating the obvious and also getting it all wrong. I agree with many of the things he says in the abstract, most of what he writes is not a secret and his premise is based on the clearly incorrect assumptions that few know what they want and fewer still know wh...
by bottlecap
Sat Jul 04, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Saving on Golf
Replies: 21
Views: 1520

Re: Saving on Golf

Walk the course. Not only will it usually save you money, it's better for your health and is the way the game was meant to be played. Carts are for the handicapped or lazy people. I'd love to walk the course, but I can't carry my bag and my radio without spilling my bourbon. Appearances aren't ever...
by bottlecap
Tue Jun 30, 2015 5:13 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11615

Re: TIPS - Did you give up?

No, I still have them. I pay more every year, but they don't!

JT
by bottlecap
Tue Jun 30, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Sychrony Bank - warning
Replies: 29
Views: 4255

Re: Sychrony Bank - warning

I don't see why you need any more than those things, especially with respect to a CD. In any event, I'm guessing you invested with this bank because you got a higher rate. Well, not having all these modern indulgences is, I guess, where they save money to pay you more. It's just the way it goes. JT
by bottlecap
Sun Jun 28, 2015 8:55 pm
Forum: Personal Consumer Issues
Topic: Flame Retardants
Replies: 6
Views: 570

Re: Flame Retardants

This reminds me of my Dad. He knocked all of the asbestos off of the pipes in our basement by wetting them down, ordering me out of the basement and hauling it out. He never did get mesothelioma. I doubt my Dad would be worried about this label. I doubt you should be either. JT p.s. California expec...
by bottlecap
Sun Jun 28, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Babies and remote controls
Replies: 20
Views: 1787

Re: Babies and remote controls

I guess the real issue is how much should babies be exposed to tv's and computers.I have not read anything where it is said to be good for their development. Honestly, I don't think TV's are bad for babies and certainly don't think iPads are. Grandma got our child an iPad before she was a year old ...
by bottlecap
Sat Jun 27, 2015 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4937

Re: are these legit Vanguard reviews?

I've opened several accounts, done rollovers and opened solo 401ks. I never had a problem with Vanguard. If fact, they were always more knowledgeable than competing companies (during the rollovers, for instance). The rep was very responsive as well. Now, I'm sure not all Vanguard reps are stellar. I...
by bottlecap
Sat Jun 27, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: Too Much Indexing???
Replies: 44
Views: 3976

Re: Too Much Indexing???

Nope, this is no problem. Sleep tight.

JT
by bottlecap
Fri Jun 26, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: HSA via Obamacare if new employer doesn't offer it. Good or bad idea?
Replies: 6
Views: 866

Re: HSA via Obamacare if new employer doesn't offer it. Good or bad idea?

I doubt it will be worth going on the exchange for a private plan or shopping for a private plan off-exchange, but it depends on how much your employer pays towards the insurance. I don't think you can deduct your health insurance premiums outside of your employer unless you are self-employed. Perha...
by bottlecap
Thu Jun 25, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3242

Re: 10 year old car

Matching faded paint is next to impossible, and it will just look like you got into an accident in the car. This has been mentioned a few times. It's not "necessarily" true. It depends on what the rest of the paint job looks like. The person doing the job might be able to tell you if ther...
by bottlecap
Thu Jun 25, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3242

Re: 10 year old car

The color should be fine, as I'm sure the factory paint is easy to come by. As noted above, it may look slightly better than the rest of the paint, but shouldn't be too noticeable.

I wouldn't worry about the $500 if it will make you happy. That's a lot cheaper than a new car...

Good luck,

JT
by bottlecap
Tue Jun 23, 2015 7:42 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14814

Re: Convince me not to buy Porsche

"Convince me not to buy a Porsche"

But why would I spend time trying to convince you not to do something you seem pretty intent on? It's frivolous and really not a smart thing to finance, but it will be fun for a while. Have fun!

JT
by bottlecap
Tue Jun 23, 2015 4:13 pm
Forum: Investing - Theory, News & General
Topic: Improving cost basis
Replies: 17
Views: 1811

Re: Improving cost basis

I can't believe I'm the only one doing this. You're not. It's called day-trading. It is very popular when the market is rising in general. The problem is that your base assumption is that after the market goes up for a few days, it will fall and then rise again like "clockwork." That is a...
by bottlecap
Tue Jun 23, 2015 12:49 pm
Forum: Investing - Theory, News & General
Topic: Improving cost basis
Replies: 17
Views: 1811

Re: Improving cost basis

This has nothing to do with cost basis, so I'm going to say don't do it. If this tempting method worked, we'd all be doing it.
by bottlecap
Tue Jun 23, 2015 6:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2869

Re: Happy Birthday to Mel [Lindauer]

Happy birthday and thanks for everything!

JT
by bottlecap
Sun Jun 21, 2015 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Use Roth IRA to remodel house?
Replies: 18
Views: 2122

Re: Use Roth IRA to remodel house?

Yes, it's dumb. That's not to say that your retirement will be forever ruined if you take this gamble, but if you start raiding retirement savings for something as trivial as a house remodel, where do you stop? There will always be something else you want to spend your retirement savings on. Good lu...
by bottlecap
Sun Jun 21, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Best Slat Wall / Pegboard Systems for Garage Storage
Replies: 15
Views: 1880

Re: Best Slat Wall / Pegboard Systems for Garage Storage

The system we used was the Kobalt (K-rail) system. It was fairly easy to set up, not too expensive and works well.

JT
by bottlecap
Sun Jun 21, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 14533

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

Because your premise is incorrect. Bogleheads are about investing. You yourself say that you don't consider your real estate as an investment, but as a side-hustle. You could very well decide that real estate is your business and be a Boglehead when it comes to investing. There is no paradox or cont...
by bottlecap
Sun Jun 21, 2015 7:25 am
Forum: Personal Consumer Issues
Topic: How much emphasis should I put on car reviews?
Replies: 30
Views: 3456

Re: How much emphasis should I put on car reviews?

Reading reviews and parsing useful information is a bit of an artform. If you can't do it, you can't really be taught, but the post from Nisiprius hits close to the mark. If reliability is your goal, then you need to look at long term reliability. With a 2015 model, you may have to take a little bit...
by bottlecap
Sun Jun 21, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy
Replies: 18
Views: 2687

Re: Bankruptcy

As more information comes out, it seems it is more likely that you have a problem. Your mother will have to list the car as an asset on her bankruptcy petition (or at least her half interest in it). That interest will be part of the bankruptcy estate. She may be permitted an exemption for a personal...
by bottlecap
Fri Jun 19, 2015 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 51
Views: 4974

Re: Portfolio suggestion for toddler

livesoft wrote:
bottlecap wrote:Why go through the trouble to put it in your toddler's name?

Reading comprehension is hard. :)


Sometimes, you're right!
by bottlecap
Fri Jun 19, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 51
Views: 4974

Re: Portfolio suggestion for toddler

Why go through the trouble to put it in your toddler's name? The toddler won't understand, can't co-sign and your taxes will likely be complicated by the fact that you do this. I'd wait until they are older.

JT
by bottlecap
Fri Jun 19, 2015 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy
Replies: 18
Views: 2687

Re: Bankruptcy

The OP indicated he was concerned about getting his mother's name off the title, and trying to get it re-titled in his name only. At least, that is how I interpreted it. :....Should I get the title transferred to my name only?..... I don't see how either Maryland, or Tennessee, would look at that a...
by bottlecap
Fri Jun 19, 2015 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy
Replies: 18
Views: 2687

Re: Bankruptcy

Chapter 7s are not rare by any stretch. Some issues can be state specific, but you are are almost certainly fine if you are the owner of the car and your mother is simply a cosigner. The cosigner is liable on the debt if you don't pay, but typically has no ownership interest in the car. I you are co...

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