Search found 3501 matches

by bottlecap
Sat Aug 29, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37294

Re: Will you buy an Apple Watch?

I still can't find another watchmaker, that sold as many watches in its first 3-4 months of selling its very first product. So clearly by measures of sheer numbers, it has blown away all previous attempts to sell watches. Except it's not a watch, so the numbers are meaningless as to whether it is a...
by bottlecap
Sat Aug 29, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 37294

Re: Will you buy an Apple Watch?

I think it's something for gadget people. For anyone with a lot going on, I can't imagine its more than a nuisance. It's not a "watch" anymore than your iPhone is. I was unaware that it had to be tethered to an iPhone, that's even more of a drawback. It seems like its a small screen for yo...
by bottlecap
Sat Aug 29, 2015 8:25 am
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 75
Views: 5222

Re: Can the market go up forever?

I have no idea what "stuff" is, so I can't even figure out what this thread is about. I need a more technical term to go on than "stuff" even to determine whether there is a finite amount of it.

JT
by bottlecap
Wed Aug 19, 2015 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 6047

Re: Bank closed all my accounts without explaination

Yeah, the bank is worried about fraud and reporting these transactions to the government. You didn't provide info I bet they needed to provide on the suspicious activity report they have to file, so they cut you. Not surprising.

JT
by bottlecap
Sun Aug 16, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

I was kidding. I should put a smiley face or lol next time. I agree with you guys but it is still nerve wrecking since I just came back to the market this January after getting out on August of 2013. had I been in the whole time, I would be bogle-heading. Sorry, I mistook your post for baiting. It ...
by bottlecap
Fri Aug 14, 2015 10:20 pm
Forum: Personal Consumer Issues
Topic: Should car be repaired (airbag issue)?
Replies: 13
Views: 927

Re: Should car be repaired (airbag issue)?

How well do you trust your mechanic? If not much, I'd say get a second opinion. The two most likely suspects are the airbag sensors under the front bumper and the connections under the seats. Some things to try yourself: First, unhook your car battery and disconnect the airbag wire connections under...
by bottlecap
Thu Aug 13, 2015 8:00 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

Market timing. Blasphemy. How dare you look for deal to pad your pocket? You should buy high, stay long even when it's wrong. Oh. Excuse me for thinking you were actually asking a question, rather than making an unsupported statement that you knew would draw disagreement. So, to recap the conversat...
by bottlecap
Tue Aug 11, 2015 6:36 am
Forum: Personal Finance (Not Investing)
Topic: AllState Increased Rates due to Speeding Ticket out-of-state, what to do?
Replies: 11
Views: 1207

Re: AllState Increased Rates due to Speeding Ticket out-of-state, what to do?

All this means is that you'll be paying your father back more quickly, right? The insurance company is doing its job. This is not a late payment fee they are waiving, it is a moving violation of public record. There's no way you can expect insurance companies to waive tickets for clients ad hoc. &qu...
by bottlecap
Tue Aug 11, 2015 6:23 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

In the short run about anything can happen. I wouldn't worry about the daily fluctuations up and down. This is what markets do. I would expect fluctuation is based on event or events. This seems like like big money trimming off the top, increasing their share count with each transaction. This is st...
by bottlecap
Mon Aug 10, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Should I buy a car?, baby on the way.
Replies: 28
Views: 2028

Re: Should I buy a car?, baby on the way.

I don't think you'd need a car, but you do need a carseat. You shouldn't hold an infant on public transit for safety reasons and carseats are good ways to carry infants while not in the car - most strollers for infants accommodate them. They also permit you to shield the baby from the sun, allow the...
by bottlecap
Thu Aug 06, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: Goose Grease Sandwiches
Replies: 15
Views: 1703

Re: Goose Grease Sandwiches

Great post, but I was kind of hoping I'd learn about how to make the darned sandwiches!

JT
by bottlecap
Thu Aug 06, 2015 7:57 am
Forum: Investing - Theory, News & General
Topic: Are index funds bad for the economy?
Replies: 25
Views: 1339

Re: Are index funds bad for the economy?

I agree with my esteemed colleague Winthorpe. The suggestion borders on the absurd. First, the link is too attenuated to give any credit without any evidence. Second, fund companies don't own all of the interests of companies - I'm sure its not even a controlling interest. Even if they did, the peop...
by bottlecap
Thu Aug 06, 2015 6:59 am
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 6449

Re: Buying a Rolex Watch

Here we go again?
by bottlecap
Mon Aug 03, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 119
Views: 8774

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: 66
Views: 5609

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: 201
Views: 13912

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: 748

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: 466

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: 201
Views: 13912

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: 201
Views: 13912

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: 66
Views: 5609

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: 71
Views: 5362

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: 66
Views: 5609

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: 1067

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: 39
Views: 3984

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: 7077

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: 1889

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: 2819

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: 2618

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: 4504

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: 3624

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: 2387

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: 5111

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: 1514

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: 4557

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: 3323

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: 8004

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: 1424

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: 731

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: 3323

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: 3697

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: 8805

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: 8805

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: 8805

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: 2050

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? [Revised for 2015 model]
Replies: 90
Views: 8459

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: 551

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: 3833

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: 1598

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: 113
Views: 12287

Re: TIPS - Did you give up?

No, I still have them. I pay more every year, but they don't!

JT

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