Search found 3328 matches

Return to advanced search

Re: Guns for hunting/defense

Honestly, the best thing for home defense is a pistol in or near the nightstand. A .38, 9mm. .40 or .45 will do. What ever you're comfortable with. The problem with a rifle or a shotgun is that you are really not going to be keeping it near where you sleep, especially if you have a wife or kids, so ...
by bottlecap
Fri Feb 27, 2015 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 121
Views: 6022

Re: Which Car? struggling to decide

If driving a certain car is really worth it to you and means "living it up" when you are young, go crazy. Just know that you'll still want to do that when you're old. I've never understood the excitement of such vehicles given that you have to drive at posted speed limits and can't really ...
by bottlecap
Wed Feb 25, 2015 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2784

Re: Convincing a novice index funds are superior

What's the big deal? An index fund buys a little of everything (or an approximation, but you don't have to get into that). Why is that better? I always thought the "outfox the box" example sums everything up nicely for the uninformed. Introduce them to that concept.

Good luck,

JT
by bottlecap
Mon Feb 23, 2015 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convincing a novice index funds are superior
Replies: 26
Views: 2319

Re: UGA: Locking in the Current Price of Gasoline

I'm not sure I get the point. You and your spouse probably eat $5,000 worth of food during the year, even if you cook at home. Do you hedge against food prices? It would seem that an increase in gas prices is something that you can self-insure (the rest of us do it that way). Why select a random exp...
by bottlecap
Sun Feb 22, 2015 11:13 am
 
Forum: Investing - Theory, News & General
Topic: UGA: Locking in the Current Price of Gasoline
Replies: 15
Views: 1248

Re: Thoughts on replacing tires?

Use tirerack to get your info. Buy them at Costco if you are a member.

Although Michelins are probably the best all around tire, you pay a premiun for them and tires can be vehicle specific. Tirerack will help you decide which one is right for your car, including the brand.

Good luck,

JT
by bottlecap
Sat Feb 21, 2015 10:45 am
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3406

Re: Car Battery in Unusual Cold

In my experience, if you expect extreme temperatures and want to be safe, replace your battery every 3 years. You can go 4 and still be safe in more moderate climes, but I had two replace two batteries consecutively at 3 years on the nose, once travelling to a God awful cold place and the next time ...
by bottlecap
Thu Feb 19, 2015 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3688

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

I wasn't sure when the forum moved from the Diehards board, but it has been the best move without a doubt. This site is so much better I can't imagine going back to the other (even though I know some still post over there). Thanks to the brave souls that instituted (and have maintained) the current ...
by bottlecap
Wed Feb 18, 2015 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2357

Re: Early rental lease termination - what is reasonable?

By keeping the security deposit and asking for one month's rent, you are effectively getting the last two months rent. You're not offering them any deal (not that you need to, but assuming they don't trash the place and you keep the deposit as a result, you are effectively not permitting them to vac...
by bottlecap
Tue Feb 17, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early rental lease termination - what is reasonable?
Replies: 20
Views: 1139

Re: Extended car warranty - worth it?

$60 a month? I'm guessing this is a joke?

JT
by bottlecap
Tue Feb 17, 2015 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1832

Re: Your car repair/parts expenses for 2014

Getting three cars instead of 2 will likely increase car repairs. Not running a vehicle isn't great for it, either, and just having an extra car will up your chances. In any event, I think your fear is overblown. A well maintained vehicle of a reliable brand is not much more likely to need a big rep...
by bottlecap
Sun Feb 15, 2015 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1740

Re: Does anyone like the new Toyota/Lexus grilles?

It's an aggressive styling, which I understand, but I think they've gone too far so as to make it borderline unattractive.

JT
by bottlecap
Sun Feb 15, 2015 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3224

Re: Tenants won't let us show the rental: what do we do?

I'd tell them you are keeping the security deposit if they don't cooperate. I would think it would be tough to evict an otherwise no-problem tenant because they are reluctant to interrupt their lives to show the place. Not that you don't have that right, but if you wind up in court, they will make i...
by bottlecap
Sun Feb 15, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 6939

Re: Overfilled Oil in Car - Cause of Oil Leak?

I'm in the "old cars just leak" camp. Sometimes its spillage when they put it in there, but after 3 months you would think it would have all dripped or burned off. We have a 2000 and a 2005 with 440,000 miles between them. Both have spots under them occasionally. My mechanic has looked at ...
by bottlecap
Sat Feb 14, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1555

Re: Pick Out My New TV For Me

I'd probably go with the Samsung because a) Samsung TVs are usually fantastic and b) the plasma is likely going to give you the better picture with much less likelihood of "motion blur" in fast moving scenes at that price range. Several other things to think about: 1. Connectivity - does i...
by bottlecap
Sat Feb 14, 2015 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2108

Re: ingress,egress,easement

Thank you ,Appreciate both your replies . Yes the person owned the property in 1997.In fact he owned the whole property The clerk of courts recorded it in 2012 but the county has no record of it. We have to decide what to do since we are getting it for a really good price .We will be talking to an ...
by bottlecap
Fri Feb 13, 2015 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: ingress,egress,easement
Replies: 14
Views: 1332

Re: Buffett/Hedge Fund Bet - Protege Partners' Excuses!

Who knew that a simple bet could be so complicated? "Well, we should have won, and would have won, if all of the things that happened in real life didn't happen that way. And they shouldn't have." I also like that he adds the fees back into the hedge fund performance when he compares the r...
by bottlecap
Fri Feb 13, 2015 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Buffett/Hedge Fund Bet - Protege Partners' Excuses!
Replies: 34
Views: 2511

Re: How much is a safe car worth?

I really start to hate these threads, as the opinions border on religious zealotry. However, the recent comment about the best policy is to be alert really resonated with me. You can make fun all you want, but the human behind the wheel is the best safety device. Of course, humans are fallible and t...
by bottlecap
Wed Feb 11, 2015 10:43 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 8997

Re: What does it mean to buy or sell a stock?

You don't know who you're buying it from, but it does involve a buyer and a seller. It's just that most transactions are conducted through a broker, who arranges the sale between the two unidentified parties to the transaction. If you think about it, the grocery store in your example, is a broker of...
by bottlecap
Mon Feb 09, 2015 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it mean to buy or sell a stock?
Replies: 26
Views: 1559

Re: Tomahawk Steak

I was recently watching a demonstration (sales pitch) for a pellet grill and smoker similar to this. The salesman was describing cooking a steak on one side only and claiming that was the way Ruth's Chris cooked theirs. I had never heard of it before. Any comment from the bbq steak experts? I can't...
by bottlecap
Wed Feb 04, 2015 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Tomahawk Steak
Replies: 29
Views: 3411

Re: What exactly is "wealthy?"

While I agree that the media and politicians confuse wealth with income, what you describe has nothing to do with wealth, either, but saving habits and lifestyles. If I made $50 million a year for 20 years and only had $150 million in the bank when I was 60, you would have to define me as poor (or a...
by bottlecap
Tue Feb 03, 2015 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4035

Re: Tomahawk Steak

I have been using reverse sear method for several years. Indirect first, then sear. The smoke flavor is much better, and it is satisfying to have a well seared steak, with the inside evenly pink. http://amazingribs.com/recipes/beef/steakhouse_steaks.html I'll second this method. Fantastic website, ...
by bottlecap
Tue Feb 03, 2015 6:59 am
 
Forum: Personal Consumer Issues
Topic: Tomahawk Steak
Replies: 29
Views: 3411

Re: How much is a safe car worth?

But the frontal off set collision is something I think worth paying attention to, as is ESC, along with rear camera (one friend just lost their child this year by running them over), and blind spot monitoring (my wife just admitted she doesn't always look over her shoulder and likes the idea of the...
by bottlecap
Sat Jan 31, 2015 10:39 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 8997

Re: What if everyone was a Boglehead saver?

Yes and China shows you the limits of that investment. Empty cities in the deserts. High speed trains that fall off the track or are too expensive for people to use. Spanking new subways in cities that can't afford them. Zombie factories. Empty shopping malls. Both public and private sector have ma...
by bottlecap
Sat Jan 31, 2015 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: What if everyone was a Boglehead saver?
Replies: 18
Views: 2353

Re: How much is a safe car worth?

The problem is that there is no end to increasing safety features. A lot of it comes down to a personal decision. For example, if you could buy a car for $25,000 that a family member had a .0025% chance of dying in an accident each year and could spend $50,000 for one in which that chance was .0015%...
by bottlecap
Sat Jan 31, 2015 10:06 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 8997

Re: Is This Market Timing?

I guess it's market timing, but at least it's not selling when you think the market will go down and buying when you think it will go up (to some extent it is the latter, otherwise, why wait for the down day?), which is the real problem in market "timing." However, the whole thing seems co...
by bottlecap
Sat Jan 31, 2015 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Is This Market Timing?
Replies: 7
Views: 360

Re: Good Wines

Carefreeap wrote:Bottlecap,

Do you have a Fresh and Easy near you? Your wife can add their Pebble Bay to her list.


No, but thanks. I'll keep an eye out for the store and the brand!

JT
by bottlecap
Fri Jan 30, 2015 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4389

Re: Good Wines

Yeah, the Bogle wines aren't half bad. My wife likes white wines between $9 and $14, particularly the Marlborough Sauvingnon Blancs: Brancott Estates Sauv Matua Sauv Kim Crawford Sauv Lonely Cow Sauv Oyster Bay Sauv New Age (sparkling blend) Casal Garcia Vino Verdo (they have a white and a rose, the...
by bottlecap
Fri Jan 30, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4389

Re: What if everyone was a Boglehead saver?

If you believe the economy is driven by consumption, more saving would be a bad thing for the economy. If you believe that saving would ultimately be used for investment (in capital, ie. things that business use to increase productivity), then more savings would mean more production (thus a growing ...
by bottlecap
Thu Jan 29, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: What if everyone was a Boglehead saver?
Replies: 18
Views: 2353

Re: What age did you move out?

If you live with your parents after high school, then you're that dude.

You move out, even if you have to bunk with friends.

JT
by bottlecap
Wed Jan 28, 2015 8:21 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5085

Re: Should mom transfer house title before dying or in will?

It's not your house, so I'd let it be.

On top of that, unless there is something unusual about your mom's situation, she is likely better off keeping it in her name and, assuming you inherit the house, you will likely be better off taking it with the stepped up basis.

JT
by bottlecap
Wed Jan 28, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should mom transfer house title before dying or in will?
Replies: 52
Views: 4054

Re: What experts say about $5,000 watches

I don't get it. Why continue to obsess about something you already have?

No watch is worth the feeling of having to continually justify the price to other people both before and after you buy it. It's not a watch, it's a lifetime of misery!

JT
by bottlecap
Mon Jan 26, 2015 7:13 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179601

Re: Foreclosed-Law Firm pursuing amount of second lo

I take it you agree with my current situation while it seems like a rock and a hard place it's the best decision for the long term? It seems like it, but a bankruptcy attorney will help you decide. The attorney will be able to tell you if you qualify, what will happen to what assets you do have and...
by bottlecap
Sat Jan 24, 2015 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2444

Re: QuitClaim Deed

When I got married, my DW and I used quit claim deeds to share ownership in our houses. Very easy. You should Google using them in NJ to see if anything comes up. thanks!!!! your post encourages me to do it on my own... I will probably go that route, some say it is easy and others make this sound v...
by bottlecap
Sat Jan 24, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: QuitClaim Deed
Replies: 36
Views: 2663

Re: Foreclosed-Law Firm pursuing amount of second lo

Good luck and thanks for following up.

JT
by bottlecap
Sat Jan 24, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2444

Re: Foreclosed-Law Firm pursuing amount of second lo

I don't really mean to push the bankruptcy thing - while I don't believe that should be a person's first response, I do believe it can be a good thing sometimes. I do, however, want to raise a couple of thoughts on some of the recent posts. First, while $25,000 is not a crazy amount of debt, if you ...
by bottlecap
Sat Jan 24, 2015 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2444

Re: Is my term life policy quote too high?

That seems a little high to me.

JT
by bottlecap
Sat Jan 24, 2015 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my term life policy quote too high?
Replies: 39
Views: 2499

Re: Foreclosed-Law Firm pursuing amount of second lo

There's no magic bullet. If you've talked your situation over with competent legal professionals and that's what they are telling you, then your options appear to be put some money together and settle or file bankruptcy - especially if you want to stop worrying about it. If you ignore it, eventually...
by bottlecap
Fri Jan 23, 2015 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2444

Re: Foreclosed-Law Firm pursuing amount of second lo

You need to visit an attorney. You've ignored this as long as possible. If you are unemployed and have little to no assets aside from your 401(k), you sound like a good candidate for bankruptcy. That should put an end to any of the collection efforts for very little upfront cost. Your 401(k) should ...
by bottlecap
Fri Jan 23, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2444

Re: Ask plumber to pay for damages?

Maybe. It just depends. Was he hired to check the flush and fill valve? Is that a part of de-winterizing? If so, he should pay. If not, you're the homeowner and the homeowner pays.

JT
by bottlecap
Thu Jan 22, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Ask plumber to pay for damages?
Replies: 12
Views: 1943

Re: Keurig-cup coffee makers - why?

[deleted]
by bottlecap
Thu Jan 22, 2015 7:37 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 120
Views: 9223

Re: Boglehead Beer

This is the post to end this thread: =======================================================================================================> That IS the Boglehead beer, period. Consumer Reports even proved it one year. However, I grew up on it and have not purchased it since college. I don't do Bog...
by bottlecap
Wed Jan 21, 2015 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72383

Re: Keurig-cup coffee makers - why?

The same reason you pay $3 for a cup at Starbucks: Convenience. Making a pot of coffee is a pain and making it and getting the child(ren) dressed, ready and to school while making a pot of coffee leaves little to no time for drinking. I barely have time for 2 cups out of the Keurig in the morning as...
by bottlecap
Wed Jan 21, 2015 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 120
Views: 9223

Re: Getting deposed -- do I need to hire my own lawyer?

You won't be paid to testify in you are a fact witness. You are compelled to do so when a subpoena is issued, but there are usually some restrictions on when and where you can be compelled to testify. Travel and related expenses should be covered. The particulars of all of this will depend on your s...
by bottlecap
Sat Jan 17, 2015 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4577

Re: Wifi Thermostat??

I looked into this and went with the Honeywell that goes for about $95. It is a great Thermostat. It doesn't learn your behavior, but it does learn when it needs to fire up to get the house at the right scheduled temperature. It doesn't have the fancy feedback of the Nest or EcoBee, but it is wirele...
by bottlecap
Thu Jan 15, 2015 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Wifi Thermostat??
Replies: 22
Views: 2296

Re: How does an Efficient Market explain Buffett?

To be honest, I'm shocked to see the perspective of most of the posters here that the market is completely efficient. To me it seems fairly obvious that inefficiencies exist. While I agree that inefficiencies exist, I don't see where "most posters" have said that the market is "compl...
by bottlecap
Thu Jan 15, 2015 9:31 am
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 13259

Re: How does an Efficient Market explain Buffett?

Well, it certainly could be luck. In fact, it is at least luck in the sense that his first few investments could have left him broke and he might have taken a different path. However, it should be noted that Buffett is a businessman and not an investor. He buys whole companies, hires the managers an...
by bottlecap
Wed Jan 14, 2015 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 13259

Re: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit

2007-2008-2009 were big drops in GDP and growth since then has not made up for it. GDP is essentially overall spending. Put another way, total spending since 2007 is lower than it would have been. GDP has been rising as well, except for in 2010. Since growth and spending tends to compound, any cont...
by bottlecap
Tue Jan 13, 2015 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit?
Replies: 87
Views: 6255

Re: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit

Consumers are buying less because there was a massive housing bubble that burst, taking large amounts of net worth (given propensity to spend a few percent, this greatly decreased spending) and income out of the economy and leaving many with significant debt. This took a massive amount of spending ...
by bottlecap
Tue Jan 13, 2015 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit?
Replies: 87
Views: 6255

Re: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit

I can't help but think that deflation is a symptom, not a cause. Many people focus on how we might avoid deflation or what we could do to fight it, but it seems they should be more concerned about how to avoid whatever the causes of deflation might be. That would also enlighten us on how to prepare...
by bottlecap
Tue Jan 13, 2015 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit?
Replies: 87
Views: 6255

Re: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit

I can't help but think that deflation is a symptom, not a cause. Many people focus on how we might avoid deflation or what we could do to fight it, but it seems they should be more concerned about how to avoid whatever the causes of deflation might be. That would also enlighten us on how to prepare,...
by bottlecap
Tue Jan 13, 2015 7:41 am
 
Forum: Investing - Theory, News & General
Topic: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit?
Replies: 87
Views: 6255
Next

Return to advanced search