Search found 3453 matches

by bottlecap
Sat Jul 04, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Saving on Golf
Replies: 21
Views: 1245

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: 69
Views: 4555

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: 3764

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: 519

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: 1643

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: 4461

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: 3656

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: 822

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: 3040

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: 3040

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: 132
Views: 8576

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: 1747

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: 1747

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: 2299

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: 2027

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: 1804

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: 13477

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: 3341

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: 2615

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: 46
Views: 4260

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: 46
Views: 4260

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: 2615

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: 2615

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...
by bottlecap
Fri Jun 19, 2015 3:43 pm
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 4703

Re: New to Golf

My advice would be to do some research on club fitters in your area. Talk to them and/or make and appointment. See what they advise. If you wait until you have enough lessons, you will never wind up getting properly fitted, because you will always be thinking that you'll go get fitted once you iron ...
by bottlecap
Fri Jun 19, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 30
Views: 3175

Re: Anyone have A/C fail on an older Honda CRV?

I know someone who got rid of theirs about 4 months ago because it it.

JT
by bottlecap
Thu Jun 18, 2015 3:43 pm
Forum: Personal Consumer Issues
Topic: Wedding Receiption
Replies: 38
Views: 4217

Re: Wedding Receiption

My only requirement for our wedding was to have an open bar after going to enough weddings where it was a cash bar or an open bar for only a few hours. Ours was open from the reception through all night, for basically 8 hours. It was the most expensive part but the best part. We paid for it. I'd do ...
by bottlecap
Tue Jun 16, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 22
Views: 2482

Re: Help me choose an EXPENSIVE* red wine for a gift

I can't help, but wanted to say that your boss sounds like a rare breed. Kudos for wanting to do something nice for him.

JT
by bottlecap
Tue Jun 16, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 60
Views: 8851

Re: Longtime Insurance Customers Get Ripped

As a longtime customer, shouldn't you show a little loyalty and just quietly pay the increased premiums? Surely you owe State Farm something for all those low premiums they charged you throughout the years... I'm kidding, but it does seem that people think loyalty should run only one way and only wh...
by bottlecap
Thu Jun 11, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 4902

Re: Non-Bogleheads approach to changing cars?

I see nothing wrong with what you've done, nor is it "unbogleheadish." When you buy used cars, you are not paying a premium that largely disappears when you drive it off the lot, like you do with new cars. So other than the hassle associated with buying and selling, along with the transact...
by bottlecap
Wed Jun 10, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12791

Re: Car dealer wants me to compensate for underpayment

555 wrote:
edge wrote:
555 wrote:It's a switch and bait scam.

OK, explain how.

It's a very clever scam. A lot of people here are fooled.


If this is true, call the manufacturer and make them sort it out for you.
by bottlecap
Wed Jun 10, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12791

Re: Car dealer wants me to compensate for underpayment

Put on your reading glasses, neighbor. The OP has stated this is Not a "mistake on a bill". The dealer applied a different rebate when he picked up the car. I try not to be snarky for this very reason. OP has not stated this. I don't wear glasses. OP said the dealer incorrectly applied a ...
by bottlecap
Wed Jun 10, 2015 12:28 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12791

Re: Car dealer wants me to compensate for underpayment

This is a financial forum and my advice is strictly that. The OP can decide any moral issues on his own and I'm sure he doesn't need your help. If you read my post, I did not offer a moral opinion to the OP, so you are way off base. You certainly did. How else would you interpret your statement tha...
by bottlecap
Tue Jun 09, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12791

Re: Car dealer wants me to compensate for underpayment

This is a financial forum and my advice is strictly that. The OP can decide any moral issues on his own and I'm sure he doesn't need your help. If you read my post, I did not offer a moral opinion to the OP, so you are way off base. As to your point, I guess I have no idea why you raised the idea o...
by bottlecap
Tue Jun 09, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12791

Re: Car dealer wants me to compensate for underpayment

[I am surprised to see so many people (and even a lawyer, I believe) saying "a contract is a contract -- you have to pay" without actually any idea what the terms of this contract were! Well, you say you would have to read the contract to comment, but apparently you don't have to read a r...
by bottlecap
Tue Jun 09, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12791

Re: Car dealer wants me to compensate for underpayment

It would thus be irrational for you not to breach in this case (i.e., it would be an efficient breach).. Not only is this clearly not an example of what Posner was talking about, how efficient is it to hire a lawyer and go to court over something you know you owe? Your defense a trial will be "...
by bottlecap
Tue Jun 09, 2015 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Am I ready?
Replies: 9
Views: 1810

Re: Am I ready?

You look ready to me. At a 2.5% withdrawal rate, you withdraw $62,500 per year without touching your nut (inflation aside). That's fairly conservative, especially if you plan on doing some part time work occassionally.

JT
by bottlecap
Tue Jun 09, 2015 6:58 am
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12791

Re: Car dealer wants me to compensate for underpayment

Yes, Browser, that is what we are waiting for, some of the lawyers to weigh in. I just hope we don't hear it depends on which state the OP is in - consumer protection laws for this sort of ruse can vary quite a bit from state to state. You are correct. The opinions of us laymen aren't worth a bucke...
by bottlecap
Mon Jun 08, 2015 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: What If Creeping Dementia Impairs Your Financial Judgment?
Replies: 25
Views: 3383

Re: What If Creeping Dementia Impairs Your Financial Judgment?

Hopefully the same person that will keep the dang cat from eating my tapioca pudding, but I haven't figured out who that will be yet.

Seriously, I'm hoping one of my kids will be responsible enough to handle thing via prearranged instructions, trust, etc...

JT
by bottlecap
Mon Jun 08, 2015 7:40 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12791

Re: Car dealer wants me to compensate for underpayment

Check the law in your state, but the contract should control. The fact that you don't like the dealer tactics doesn't change the final amount to which you both agreed. It's quite frankly more shady to refuse to honor something you agreed to than to make an initial high offer than is subject to refus...
by bottlecap
Mon Jun 08, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 53
Views: 4167

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

Many times having no insurance will get you a better rate and a more efficient treatment. My family didn't have insurance when I was growing up and my folks experienced this a number of times over the years.

JT
by bottlecap
Sun Jun 07, 2015 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Does too high initial house asking price kill chance at selling house?
Replies: 50
Views: 4742

Re: Does too high initial house asking price kill chance at selling house?

Carefreeap wrote:
The spouse is a wife.

viewtopic.php?f=1&t=122322&p=1791505#p1791505

But point made. :wink:


I find it amusing that all those folks who made the assumption (and I did not) were correct!

JT
by bottlecap
Sat Jun 06, 2015 6:39 am
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 59
Views: 6071

Re: What do you do to relax just after returning from work

I have a glass of bourbon after we put our child to bed. Sometimes a beer. Sometimes nothing, but bourbon has beening hitting the spot lately

JT
by bottlecap
Fri Jun 05, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does too high initial house asking price kill chance at selling house?
Replies: 50
Views: 4742

Re: Does too high initial house asking price kill chance at selling house?

Your spouse thinks you should ask for $75,000 more based on the value of 5.5 acres. That's about $14k an acre over what the appraiser suggests. Is there any basis for that? If not, you win.

Good luck,

JT
by bottlecap
Thu Jun 04, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 8186

Re: Big Decision to Make

I know Saudi Arabia is not all that backwards compared to some other Middle Eastern countries. And I'm pretty "traditional" myself, at least in a social sense. All that said, I would never live in a place where my wife did not have the full and equal protection of the law (and I don't mean...
by bottlecap
Wed Jun 03, 2015 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Parents retiring from Ohio to Sarasota, FL area
Replies: 11
Views: 1764

Re: Parents retiring from Ohio to Sarasota, FL area

My Mom rented before moving down there. It's probably a good idea. There are good areas and bad, but the many times I've been down there over the past 17 years, I've never had a problem. Neither has my Mom, although many of the communities, including hers, are gated.

Good luck,

JT
by bottlecap
Wed Jun 03, 2015 7:21 am
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 32
Views: 3539

Re: Insurance company "outdoor steps need a railing"

Assuming it's not a code/regulation issue, I'd find a new insurance company.

JT
by bottlecap
Sun May 31, 2015 9:23 pm
Forum: Investing - Theory, News & General
Topic: Can this be possible? [Not lose money during 2008 crash]
Replies: 57
Views: 6351

Re: Can this be possible? [Not lose money during 2008 crash]

I fail to see how this is relevant to my post. I guess if you're unclear how they did it, perhaps it's right on point. JT They did it through cautious positioning and risk management .. I wouldn't call that unintelligent Two points. I did not say that all funds lost money. I said that you probably ...
by bottlecap
Sun May 31, 2015 3:14 pm
Forum: Investing - Theory, News & General
Topic: Can this be possible? [Not lose money during 2008 crash]
Replies: 57
Views: 6351

Re: Can this be possible? [Not lose money during 2008 crash]

Anyone who didn't lose money in 2008 almost certainly did not have an appropriate, or even intelligent, allocation. So, why care what they held? JT One of my top holdings, Ruffer, a conservative all weather portfolio, returned 20% in 2008 - with no short positions .. I can't remember quite how they...
by bottlecap
Sun May 31, 2015 1:02 pm
Forum: Investing - Theory, News & General
Topic: Can this be possible? [Not lose money during 2008 crash]
Replies: 57
Views: 6351

Re: Can this be possible? [Not lose money during 2008 crash]

Anyone who didn't lose money in 2008 almost certainly did not have an appropriate, or even intelligent, allocation. So, why care what they held?

JT
by bottlecap
Thu May 28, 2015 7:49 am
Forum: Investing - Theory, News & General
Topic: Any impartial advocates for the other point of view?
Replies: 32
Views: 2952

Re: Any impartial advocates for the other point of view?

What I'm wondering is whether there is anything I can read with the opposing viewpoint - that it's worth keeping my advisor. Ideally I'd like to hear all sides of the argument before making such a major change. Naturally, my advisor can't give me an unbiased argument. Is there anybody who can, or i...

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