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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: 20
Views: 1834

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: 19
Views: 1733

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: 2331

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: 4943

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: 1089

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: 2262

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: 2289

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: 1584

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: 2056

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: 2289

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: 4331

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: 1948

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: 6836

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: 2568

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: 8781

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: 8781

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: 3877

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: 6604

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: 8781

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: 6604

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: 1964

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: 12179

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: 7113

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: 2034

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: 6342

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: 3276

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: 5880

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: 3468

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: 3468

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: 2767

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: 1026

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: 2794

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: 2543

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: 19862

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: 4108

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: 4108

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: 2166

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: 1715

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: 134
Views: 8269

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: 3021

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: 2440

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: 1298

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: 3628

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: 4002

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: 2629

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: 1174

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: 2002

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: 2063

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: 61
Views: 4036

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: 7221
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