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Re: A friend asked about about resignation timing, but IANAL

Vested typically means it's yours, even if it hasn't posted to your account. I'd check the documents in question to be sure.

JT
by bottlecap
Sat Nov 22, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 1053

Re: I Borrowed Against my 401K

So there's no difference on the investment side (you are paying you any interest) and only risk in keeping the loan on the other side of the equation. I respectfully disagree. Could the loan not act as a source of additional contributions in the future when I am in a position to max out my 401k con...
by bottlecap
Sat Nov 22, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Borrowed Against my 401K
Replies: 18
Views: 1592

Re: What percent "Boglehead" are you?

Tough question, because who gets to define what a Boglehead is and what "tilting" is, as opposed to a well designed allocation. There is also the matter of TIPS funds, which aren't index funds, at least at Vanguard. I'd say we're about as close to 100% as you can get while not employing a ...
by bottlecap
Sat Nov 22, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 66
Views: 2466

Re: I Borrowed Against my 401K

"How does this reasoning sound to you all? Not great. Whether you increase your contribution or pay down the loan, you are putting money in the 401k, which is being invested. The loan, however, is, for all intents and purposes, callable, and will usually be called at the worse possible time - ...
by bottlecap
Sat Nov 22, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: I Borrowed Against my 401K
Replies: 18
Views: 1592

Re: Personal Tips for a New Father to Be

You will be ignored in the delivery room, it's not about you. Thank God. If they pay a lot of attention to the you in the delivery room and start poking and prodding around down there on you, you've chosen very poorly, hospital-wise. Don't stick around and wait for an epidural... Well, you wanted a...
by bottlecap
Sat Nov 22, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 22
Views: 1334

Re: What to prepare for first baby due next month?

This thread reminded me of the pacifiers. Buy five or six different kinds in advance and bring them to the hospital with you. Ours wouldn't take but one type and it's hard to quiet them without the one they like. JT P.S. Here's the link to the Babywise book that I mentioned (along with another poste...
by bottlecap
Fri Nov 21, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2690

Re: What to prepare for first baby due next month?

Get lots of sleep. Read the book "Babywise" so that you can start getting sleep again within a month or two of the birth.

Good luck (and congratulations),

JT
by bottlecap
Thu Nov 20, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2690

Re: how to make money like a billionaire

I can't say what is right for you, but I can say that that article is a bunch of senseless junk. It also doesn't suggest you shouldn't take any risks with your money, but that's besides the point, because the piece is so bad.

JT
by bottlecap
Tue Nov 18, 2014 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 9112

Re: Active or Not, I Love Wellington

VictoriaF wrote:Bogleheads are too frivolous in the expression of their love. I would find it difficult cuddling with a Wellington fund, "active or not."

Victoria


Yeah, I try not too get too emotionally involved with anything I will eventually consume....

JT
by bottlecap
Tue Nov 18, 2014 7:41 am
 
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 53
Views: 5050

Re: Sell or repair car decision

JT - yes, the code apparently does say "misfire" and when it's severe shaking during the idle the check engine light doesn't just come on, it flashes so I do think it is probably a substantial engine issue Yeah, a misfire will do all of that. I hope they can figure it out for you. I'm gue...
by bottlecap
Mon Nov 17, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 11
Views: 1215

Re: Sell or repair car decision

Is it really misfiring? That's not a good sign. I would not put a whole bunch of money into an old car if my mechanic had no idea what was wrong with it.

I don't know what the code says, but rough idling could be a bunch of minor things. The sound you hear is troubling, though.

JT
by bottlecap
Sun Nov 16, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 11
Views: 1215

Re: Harry's razors

Going to buy the 34c. Can you please tell me the difference between: http://www.amazon.com/gp/product/B000QYEK88/ref=as_li_ss_tl?ie=UTF8&camp=1789&creative=390957&creativeASIN=B000QYEK88&linkCode=as2&tag=mansshablo-20 and http://www.amazon.com/gp/product/B000VXMMZW/ref=ox_sc_act...
by bottlecap
Sun Nov 16, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4901

Re: Harry's razors

DE Razor blades are a personal choice, depending on your face and beard. I would recommend getting a trial pack with a bunch of different blades to find which one suits your face. Plus, it takes a while to get the technique down. Something like: http://www.amazon.com/gp/product/B004UIZFQW/ref=pd_lp...
by bottlecap
Sun Nov 16, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4901

Re: NYT: Falling commodity prices signal warning

I don't the the central bankers will worry about the opinions expressed in that article. It'll be alright.

JT
by bottlecap
Sun Nov 16, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: NYT: Falling commodity prices signal warning
Replies: 12
Views: 1222

Re: Vague deliverables & costs on lawyer's retainer

The agreement is normal. It's an agreement to provide services at a certain rate. They never include estimates. The law - and client's changing wishes - are never that simple.

JT
by bottlecap
Sun Nov 16, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: Vague deliverables & costs on lawyer's retainer
Replies: 3
Views: 564

Re: Auto body repair: "recycled" vs. OEM rear door replaceme

Four years ago, I took the cash payment (based on OEM parts), paid the deductible and bought the vehicle back (it was totaled), had it fixed with non-OEM and salvage parts and pocketed the difference. I've had no issues and much of the damage was mechanical. As long as the door is rust free and was ...
by bottlecap
Thu Nov 13, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Auto body repair: "recycled" vs. OEM rear door replacement?
Replies: 11
Views: 400

Re: “Buffett” Has Two Tees [poem]

Obviously, if you're not spelling Warrentt Buffet without the two "T's", you're not enough of a fanboy...

JT
by bottlecap
Sun Nov 09, 2014 1:40 pm
 
Forum: Forum Issues and Administration
Topic: “Buffett” Has Two Tees [poem]
Replies: 13
Views: 1420

Re: Thinking about buying an individual stock NSC

Don't get it. Never will. If a family member passes down cash, does it not get spent? If they leave a gift card, does it not get used? Stock is just an investment and, most of the time in these situations, initially bought for all the wrong reasons. Anymore, it's not even a piece of paper. Your gran...
by bottlecap
Sun Nov 09, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3670

Re: Messy baby restaurant etiquette

Limit the type of food to limit the mess. Clean up after the child as much as you can and, if it's something you can't sufficiently clean up, give a commensurately larger tip because your server will end up cleaning it up. Kids can make a mess. I'm all for controlling it and being polite about it, b...
by bottlecap
Sun Nov 09, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4463

Re: 1276% toll admin fee from Dollar. 86% of rental cost

Certain parts of Florida do the same thing. There are toll roads that aren't clearly marked, no toll booths and visitors therefore won't know about. They just take a picture of your license plate and send you a bill with an administrative charge that is 400 to 500% of the toll. They also don't let y...
by bottlecap
Sun Nov 09, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7067

Re: Asking for opinions.

Yes. You should pick an asset allocation and buy it. You could be waiting forever to get into the market. There never seems to be a good time to invest - just do it.

Good luck,

JT
by bottlecap
Sat Nov 08, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Asking for opinions.
Replies: 9
Views: 638

Re: Investing when one spouse is older

I was randomly thinking about this the other day. I think a default starting point would be to use the younger spouses age, assuming nothing else might suggest otherwise.

JT
by bottlecap
Fri Nov 07, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing when one spouse is older
Replies: 10
Views: 943

Re: ObamaCare vs. Private Insurance??

Yes, I guess the other thing you have to worry about on the exchange is a smaller network of physicians: http://www.consumerreports.org/cro/2012 ... /index.htm

JT
by bottlecap
Fri Nov 07, 2014 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 9257

Re: ObamaCare vs. Private Insurance??

There can be a little confusion because there are still pre-ACA plans out there that were grandfathered do not completely comply with the government mandated insurance requirements (although administered by private companies). However, if you were not previously on such a plan prior to the ACA, I do...
by bottlecap
Fri Nov 07, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 9257

Re: Interest is so low that Germans have to pay for savings

I'm shooting off the cuff here, but it seems to me that deflation a and artificially low (or negative) interest rates is not the same thing. The posts here seem to suggest they are. Can anyone explain?

JT

JT
by bottlecap
Wed Nov 05, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Interest is so low that Germans have to pay for savings
Replies: 19
Views: 1926

Re: Is Vanguard a good place to invest?

I've never had a problem. Vanguard has been very helpful in all of my rollovers. I don't require a lot of assistance, but when I do, they've been there.

JT
by bottlecap
Mon Nov 03, 2014 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5001

Re: Very few kids in our neighborhood-Thoughts?

The reality is that kids either don't play much outside anymore or they don't have time to. Moving because of a lack of kids alone in the neighborhood would not likely be worth it. Our street has lots of kids and, with the exception of a couple of days a month, the street is a ghost town. The kids a...
by bottlecap
Mon Nov 03, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: Very few kids in our neighborhood-Thoughts?
Replies: 29
Views: 3245

Re: Tips on winning a small claims court case in California.

You received $4k from the sellers, so you're really suing for $5,900. I doubt you'd be entitled to transport costs, hotel and flights - that is not foreseeable. so you are going to spend thousands of dollars to get a piece of paper that, at best, says "you win $4,000." Then you'll have to ...
by bottlecap
Wed Oct 29, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 24
Views: 2832

Re: Most financially economical choice for a car

A better idea than options 2 and 3 is to by a five or six year old car. Why limit it to new, 10 years old, or 2-3 years old but likely abused?

JT
by bottlecap
Tue Oct 28, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4622

Re: Closing a house on Thursday but...

If you're backing out because of a previous break-in, the damage from which has been adequately repaired, you might have a problem if the seller wants to hold you to the contract, depending on your state. I can't imagine there is any requirement to disclose such a thing. I don't understand the psych...
by bottlecap
Mon Oct 27, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing a house on Thursday but...
Replies: 21
Views: 2180

Re: Feeling rich to feeling poor overnight

I'd see about a roommate if I wanted to keep my job, was 29 and single. Otherwise, I'd move to a low cost of living area. You are not poor, but you have in a roundabout way realized that you don't really make "low six figures." You make a good bit less than that. You only get paid that muc...
by bottlecap
Fri Oct 24, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10839

Re: Kids & Sports

The only possibly helpful thoughts that I have are 1) if your son doesn't like practicing soccer, he probably doesn't like soccer and 2) maybe he's not into the aggression. If the therapists recommend continued physical activities, I'd work on finding some that he enjoys. Maybe golf, fencing, baseba...
by bottlecap
Wed Oct 22, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2340

Re: What is the best way to sell guns and get the best price

I'd look into gunbroker.com. A lot of gunshops will also sell on consignment.

JT
by bottlecap
Tue Oct 21, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1120

Re: Why do people use age instead of life expectancy?

Your asset allocation really really should be based on time to retirement, which is what the age in bonds rule of thumb tries to approximate. Life expectancy has nothing to do with this, but employment expectancy is relevant. At retirement, the question become more about how much you need to withdra...
by bottlecap
Mon Oct 20, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2948

Re: Gifting from g-parents to minors

She could also start another 529 for each child and contribute to it, with herself being the owner/controller of the account. This is the way to go. As I understand it, if it is in the grandparent's name, it will not adversely affect applications for aid, that is, until the money is withdrawn and u...
by bottlecap
Sun Oct 19, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting from g-parents to minors
Replies: 6
Views: 918

Re: Is the backdoor Roth IRA legal?

It is permitted by law. Ergo, it is legal.

JT
by bottlecap
Sun Oct 19, 2014 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: Is the backdoor Roth IRA legal?
Replies: 13
Views: 1823

Re: Why do people use age instead of life expectancy?

Using life expectancy gives a false precision, too. Life expectancies are averages. The individual wouldn't be very good at determining them aside from using the average. I doubt the average investor would ever come up with an AA if the instructions started out with "First, determine you're lif...
by bottlecap
Sat Oct 18, 2014 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2948

Re: Buy a new car, or fix the old one?

Stability control is most of the game these days when it comes to safety. You have it, but more than half the 10 year old cars don't have it. These days, lots of parents hand their new driver child their oldest car which has a 50% higher fatality rate than the other cars the parents own. If one nee...
by bottlecap
Fri Oct 17, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 3093

Re: Why are 401k plans expensive?

jf89 wrote:This has bothered me ever since I started here, but could somebody please explain to me what it is about a 401k that makes it so much more expensive than an IRA?


Competition.
by bottlecap
Thu Oct 16, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3105

Re: Teaching A Class, What Investment Advice Do I Give?

Since it's a Dave Ramsey course and its bible-based finance, I assume that this might be the answer to all your questions: Jesus said to him, "If you wish to be complete, go and sell your possessions and give to the poor, and you will have treasure in heaven; and come, follow Me." If you ...
by bottlecap
Thu Oct 16, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Teaching A Class, What Investment Advice Do I Give?
Replies: 20
Views: 1917

Re: Index usage error in Mortgage Document.

bberris wrote:
cheese_breath wrote:
LongerPrimer wrote:This carp needs to end.

Yes. There's definitely something fishy going on here.

Good catch!


At first, I wasn't sure about this thread. But now, I'm hooked.

JT
by bottlecap
Thu Oct 16, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Index usage error in Mortgage Document.
Replies: 13
Views: 743

Re: Dry Powder

I'd stick with bonds. It's not like anyone doesn't know that the market will flicuate, so I can't imagine that answers have changed. Heck, gold's better than cash - at least it has speculative value.

JT
by bottlecap
Thu Oct 16, 2014 6:57 am
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3545

Re: Wine - how to keep it from not spoiling?

Unfortunately, there is no cheap way to keep wine from "going bad.". It will last about a day before the taste significantly deteriorates. You can still drink it - its not "bad" mind you, but on the third day I usually just end up opening a new bottle for taste reasons. I used to...
by bottlecap
Sat Oct 11, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 3013

Re: Which home inspectors/trademen did you use?

Try to find someone who has built a house before. Along the lines of a carpenter, but who is also familiar with electrical codes. It may be hard to find someone, but inspectors who have only been inspectors aren't much good.

JT
by bottlecap
Tue Oct 07, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Which home inspectors/trademen did you use?
Replies: 5
Views: 591

Re: Possible Uninsured Motorist accident

Sorry, Dad, but if this person doesn't had insurance, they probably don't have assets. A judgment against them will mean nothing. Even if they had some assets, you will have to spend a lot of money and time trying to enforce the judgment, with little chance of real success. Judgments only weigh on p...
by bottlecap
Thu Oct 02, 2014 8:02 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3604

Re: In theory, market timing = index investing

So market timing equals EV? That's a strange and undefendable conclusion. But to some extent, indexing is a way to reduce variance through diversification. Even if your EV is the same, variance is not. Even if it were right, ignoring the benefits of diversification, taking out the mistakes that huma...
by bottlecap
Mon Sep 29, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: In theory, market timing = index investing
Replies: 10
Views: 692

Re: How Long Should I Keep My Car?

I'd say 10 years or 120,000 miles is a good benchmark to reassess on average. Obviously earlier if you have major problems earlier. Earlier if you have more than a normal fear of breaking down. Earlier if you know absolutely nothing about cars and don't care to know. Earlier if you don't maintain yo...
by bottlecap
Mon Sep 29, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4231

Re: Lawyer fee question?

epitomist wrote:
kenner wrote:So, with your vast knowledge of how all defense lawyers operate in an unethical manner with regard to billing, you must be a defense lawyer - or you just get sued A LOT.

Just once. That's enough for a lifetime.


With a sample size of one, I'm going with "user error".

JT
by bottlecap
Mon Sep 29, 2014 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2204

Re: Buy Local

Who was paying the lamp guy for the 25 years you spent not needing him? :wink: Small and less efficent businesses certainly generate a certain amount of nostalgia, but the bottom line anymore is that 95% of the time nowadays, consumers don't need the special assistance and folks need to be paid duri...
by bottlecap
Mon Sep 29, 2014 8:10 am
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 4588
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