Search found 3488 matches

by bottlecap
Mon Aug 03, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 18
Views: 960

Re: SUV advice

If you don't have any kids on the way yet and are planning to buy used, I don't think you need to buy according to baby needs just yet. You aren't going to be killed by depreciation if you resell and rebuy, although it is a little more work. Get what you want now and worry about kids later. If you d...
by bottlecap
Sun Aug 02, 2015 7:07 am
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4424

Re: bogleheadism == Vanguard?

I was thinking of teaching an investment class at a local community center on boglehead investing and was wondering what resources are available from the wiki to help with that. There are lots of references to Vanguard products on some of the pages I was considering, which made me a little uncomfor...
by bottlecap
Sat Aug 01, 2015 7:24 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 133
Views: 7381

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

I have to call B.S. on these threads. The low prices mentioned are usually understated and I don't care if you eat boringly. $8 per day for 2 or 3 people is impossible. If it is possible, the government is wasting a lot of money in assistance.

JT
by bottlecap
Sat Aug 01, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Dilemma
Replies: 6
Views: 716

Re: Health Insurance Dilemma

If you don't plan on hitting the deductible, the HSA is probably a good choice. While anything could happen, if you are otherwise healthy people and have healthly habits, the risk of hitting the $12k out of pocket is pretty small.

JT
by bottlecap
Sat Aug 01, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Out of debt - save for a new car?
Replies: 5
Views: 423

Re: Out of debt - save for a new car?

If it were me I'd save it for a car. You got to find out what car you want before you decide anything else.

JT
by bottlecap
Sat Aug 01, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 133
Views: 7381

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

livesoft wrote:I already have lunch made: Salad with steak. Dog got a nice bone last night and is about to get a great walk.


Don't walk him too hard. It makes the meat tough!

JT
by bottlecap
Sat Aug 01, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 133
Views: 7381

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

That's not likely a lot in NYC for 3 people. Food has gotten expensive over the last few years, especially food that is good for you. If you figure $10 for breakfast, $10 for lunch and $20 for dinner, that puts you at $1,200 per month. That's probably what it costs for 3 in Tennessee, no less NYC. A...
by bottlecap
Fri Jul 31, 2015 5:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: bogleheadism == Vanguard?
Replies: 65
Views: 4424

Re: bogleheadism == Vanguard?

matjen wrote:That is my "truth."


I'm not sure what you absolutely disagree with. Vanguard is still the gold standard for low cost index investing. If you like something else, that's fine - that's why there are other fund companies. It doesn't change the truth.

JT
by bottlecap
Fri Jul 31, 2015 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 67
Views: 4736

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: 65
Views: 4424

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: 1016

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 Consumer Issues
Topic: Major home renovation your thoughts
Replies: 37
Views: 3619

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: 6789

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: 1861

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: 2453

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: 2544

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: 4387

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: 3434

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: 2325

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: 4952

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: 1487

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: 4294

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: 3250

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: 7545

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: 1356

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: 711

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: 3250

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: 3603

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: 8583

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: 8583

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: 8583

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: 2020

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: 3360

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: 544

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: 3773

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: 1523

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: 11626

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: 4295

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: 572

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: 1789

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: 4940

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: 3985

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: 868

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: 3246

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: 3246

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: 190
Views: 15760

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: 2875

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: 2123

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...

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