Search found 3599 matches

by bottlecap
Sat Feb 06, 2016 7:01 am
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 99
Views: 14495

Re: Active or Not, I Love Wellington

Never fall in love with investments or money.

JT
by bottlecap
Sat Feb 06, 2016 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Accelerating financial independence by living with father-in-law?
Replies: 20
Views: 1933

Re: Accelerating financial independence by living with father-in-law?

Don't do it for financial independence. It's not worth it and it won't get you there anyway. No way of telling whether it's a good idea - that is based on personalities. I would fear, among other things, that my wife would be taking care of a newborn and her father. And we would be paying some form ...
by bottlecap
Fri Feb 05, 2016 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Caterpillar Company investment
Replies: 48
Views: 3991

Re: Caterpillar Company investment

I would venture to guess that every investor in the United States has considered an investment in Caterpillar at one point or another for the very same reasons you are considering it, myself included. If you search the forum, I wouldn't be surprised if there were at least 20 threads on it. It is a g...
by bottlecap
Thu Feb 04, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 3758

Re: Take the Verb Tense Pledge!

If this is what you worry about when you retire, I'm going to keep on working!

JT
by bottlecap
Mon Feb 01, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3418

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

$650 is nothing in the life of a car. Your question takes me aback. That said, go to an independent mechanic and have the belts inspected if you can't do it yourself. Inspection the timing belt typically does no good. A belt that looks good, or the old tensioner, can and will fail after it reached ...
by bottlecap
Mon Feb 01, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3418

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

$650 is nothing in the life of a car. Your question takes me aback. That said, go to an independent mechanic and have the belts inspected if you can't do it yourself. Ask him what he thinks about the water pump as well. The water pump is the "expensive" part of that repair anyway and it li...
by bottlecap
Sat Jan 30, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 40
Views: 6255

Re: I got let go yesterday

I, too, wouldn't take this as a personal failure. It sounds like one of two things happened: 1) they had to let someone go and chose the new guy or 2) they decided they needed someone with more experience in their industry (or their company) and couldn't wait. If it's the latter, that's not a reflec...
by bottlecap
Wed Jan 27, 2016 7:27 am
Forum: Investing - Theory, News & General
Topic: Time property cycles, so why not market cycles?
Replies: 31
Views: 2282

Re: Time property cycles, so why not market cycles?

Ups and downs = market cycle? We have those every day.

JT
by bottlecap
Sun Jan 24, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 9772

Re: Is Nitrogen better than air?

Janet!!!! wiki: "SF6 is the most potent greenhouse gas that it has evaluated, with a global warming potential of 22,800[11] times that of CO2 when compared over a 100-year period." That settles it. I'm using SF6 at leas until I cancel out winters in my area. As to nitrogen or air, I don't...
by bottlecap
Sun Jan 24, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Interpreting an Offer To Purchase
Replies: 9
Views: 848

Re: Interpreting an Offer To Purchase

It hard to believe you posted regarding a decision over less than $4.00!

Good luck,

JT
by bottlecap
Mon Jan 11, 2016 11:29 pm
Forum: Personal Consumer Issues
Topic: Oil Changes turns into a disaster. What to do?
Replies: 62
Views: 6727

Re: Oil Changes turns into a disaster. What to do?

This is not terribly uncommon at Jiffy Lube. You'll likely be in for a fight. You could go to the store and talk to them, but its not like they are going to write you a $3,000 check. You are likely headed to court. Sorry about your luck. JT P.S. Get as much documentation from the dealer as you can. ...
by bottlecap
Wed Jan 06, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: How is Costco's gas so cheap? (15% cheaper in my area)
Replies: 59
Views: 4985

Re: How is Costco's gas so cheap? (15% cheaper in my area)

There gas is not always the cheapest where I live, but it's usually close. The two things that come to mind are a) they are not paying for a high-traffic location like a traditional station is and b) people usually stop to shop when they get gas. It gives one a little more incentive to drive across ...
by bottlecap
Wed Jan 06, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: WSJ Article: Why the redskins players are so frugal?
Replies: 22
Views: 2711

Re: WSJ Article: Why the redskins players are so frugal?

They might be going a bit overboard, but it refreshing to learn about that. Thanks for the link.

JT
by bottlecap
Tue Jan 05, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Should I replace an old car that is technically still running?
Replies: 34
Views: 2021

Re: Should I replace an old car that is technically still running?

You paint a bleak picture. I'd get rid of it. If you wanted it to last longer than this, you would have had to occasionally spend a few dollars repairing things. You didn't, and it doesn't seem to make any sense start doing so now.

Good luck,

JT
by bottlecap
Sat Jan 02, 2016 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Hedging against the future of healthcare costs by buying healthcare equities index?
Replies: 24
Views: 1364

Re: Hedging against the future of healthcare costs by buying healthcare equities index?

The problem with this idea is that the price of healthcare has nothing to do with the profit of healthcare. If price=profit, then the makers of luxury goods, for instance, would never go out of business. There may be other reasons healthcare stocks do well, but cost of care is not directly correlate...
by bottlecap
Sat Dec 26, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: Sororities: The cost of Greek Life?
Replies: 46
Views: 6677

Re: Sororities: The cost of Greek Life?

There's a lot of goofy stuff in this thread now. It can be taken with a grain of salt. If anyone is really interested - particularly the OP, I suggest going to the school for what ever information you want - cost, time commitment and any other statistic. First, the school keeps a ridiculous number o...
by bottlecap
Sat Dec 26, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Sororities: The cost of Greek Life?
Replies: 46
Views: 6677

Re: Sororities: The cost of Greek Life?

Call the Office of Greek Life at the school. They should be able to give you a ballpark figure. Each individual sorority might be a little different.

Most of the calls they gets nowadays days are from parents, anyway, I'm sure they are used to such inquiries.

JT
by bottlecap
Tue Dec 22, 2015 9:27 pm
Forum: Personal Consumer Issues
Topic: unfair total loss car accident procedure
Replies: 56
Views: 3391

Re: unfair total loss car accident procedure

Why would it be the insurance company's job to tell you where to buy a car? If you want a $2800 car, I would suggest your local classifieds, Craigslist, or a used car lot. In theory the tortfeasor is responsible for restoring the victim to the status quo ex ante. The insurance company is paid to st...
by bottlecap
Mon Dec 21, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: How do you handle auto care? (for a non-DIY'er)
Replies: 54
Views: 3775

Re: How do you handle auto care? (for a non-DIY'er)

Research the independents in your area. Check out any reviews you can find online (of course they are not all true, but can be an indication). Take your car to one for something simple and ask them to check something else that you know is fine (and that won't require extra work to get to). See what ...
by bottlecap
Sat Dec 19, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: How to clean a Karastan rug
Replies: 17
Views: 1409

Re: How to clean a Karastan rug

Send it to the cleaners. You got a $350+ rug for $35.

JT
by bottlecap
Fri Dec 18, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 8374

Re: dilemma over house division during legal separation

I know that there are a bunch of people that don't like lawyers, but I suggest you hire one and so does your wife. I appreciate that you want to handle things amicably and with the best interests of the kids in mind, and I think you still can. But you also need someone who will look down the road fo...
by bottlecap
Thu Dec 17, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Afford an $800k Home on $4K/month Take Home?
Replies: 146
Views: 11062

Re: Can I Afford an $800k Home on $4K/month Take Home?

So have you misrepresented your assets, your income, your expenses, the price of the house or all of the above? Am I the only one more than a little put off by that? In any event, fact and fiction is so confused right now I can't say that I'm much help. Plus, you seem to have a pretty good handle on...
by bottlecap
Thu Dec 17, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Afford an $800k Home on $4K/month Take Home?
Replies: 146
Views: 11062

Re: Can I Afford an $800k Home on $4K/month Take Home?

No way. You'll be sorry if you do. It's way too tight and you will feel like that home is an anchor around your neck. You're doing well. Don't screw it up.

JT
by bottlecap
Sun Dec 13, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of high deductible health plans
Replies: 102
Views: 6731

Re: The psychology of high deductible health plans

The 'textbook' model in this case does not refer to how consumers actually behave. But the textbook models referred are those that start with the ASSUMPTION that consumers are rational, and then describe what the behavior would look like in that case of rationality. The article simply says, in one ...
by bottlecap
Sun Dec 13, 2015 12:44 am
Forum: Personal Finance (Not Investing)
Topic: The psychology of high deductible health plans
Replies: 102
Views: 6731

Re: The psychology of high deductible health plans

Only surprising if you believe there in the strawman of "textbook models of rational consumer behavior." The whole nature of the study has many flaws, but the inital assumption that people who have not had to be savy consumers for 50 years and an industry that has not had to compete on pri...
by bottlecap
Sat Dec 12, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Am I overlooking something? Free life insurance for a year
Replies: 23
Views: 2102

Re: Am I overlooking something? Free life insurance for a year

What he's doing is probably illegal rebating and against the terms of his contract with the insurance company, but that's not really your problem. Bingo. Illegal rebating. It could possibly be your problem if he gets caught, but not likely. The company will go after him for the full premium if he g...
by bottlecap
Tue Dec 08, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: 1999 Honda Civic, 200K miles --- buy a new 2016 Civic?
Replies: 75
Views: 7355

Re: 1999 Honda Civic, 200K miles --- buy a new 2016 Civic?

At 200,000 miles, I'd think you're entitled to get a new car if you want.

JT
by bottlecap
Tue Dec 08, 2015 2:44 pm
Forum: Personal Consumer Issues
Topic: Outdoor gas grill recommendation
Replies: 58
Views: 2656

Re: Outdoor gas grill recommendation

I have had a Weber Genesis for almost ten years. I haven't always remembered to put the cover on it in rain and snow. The only thing that's gone wrong with it is that the ignition switch stopped working. Other than that it's been great. I wouldn't consider anything else. That's a weak point on all ...
by bottlecap
Tue Dec 08, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Outdoor gas grill recommendation
Replies: 58
Views: 2656

Re: Outdoor gas grill recommendation

Gas (propane or natural) burns to CO2 and H2O, water and carbon dioxide. These have no taste. The taste comes from searing the meat, and the drippings vaporizing. I buy small bags of wood chips at places like Walmart and Home Depot. Couple of pounds, couple of bucks. I throw a small handful on the ...
by bottlecap
Tue Dec 08, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Outdoor gas grill recommendation
Replies: 58
Views: 2656

Re: Outdoor gas grill recommendation

Natural gas is a good idea too. But, then look for a natural gas grill, or you will have to spend an extra $100 or more on replacement orifices. Of course, you'll need to run a pipe out to your deck or wherever, but gas is just so much more convenient, and much less expensive, than propane. I got v...
by bottlecap
Mon Dec 07, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Outdoor gas grill recommendation
Replies: 58
Views: 2656

Re: Outdoor gas grill recommendation

Weber Genesis E330 fits your bill. I have never used the side burner myself, but I do love the grill. It is well built and will last a long time. Cooking on it is great. We use it a lot. Gone are the days of buying a crappy grill every 3 years...

JT
by bottlecap
Mon Dec 07, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10909

Re: Flaunt Your High-Mileage Car

289,000 on a 15 yo Explorer. JT This is most impressive given old Explorers are notorious for being terrible and needing new transmissions every 50k miles or so. :) Hey now, it's not a Chevy. [More] seriously, the transmission problems are on the 2002-2004, so I missed it by a couple of years. JT
by bottlecap
Sun Dec 06, 2015 9:42 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10909

Re: Flaunt Your High-Mileage Car

289,000 on a 15 yo Explorer.

JT
by bottlecap
Fri Dec 04, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: "Congratulations on your purchase!" (But why?)
Replies: 27
Views: 3674

Re: "Congratulations on your purchase!" (But why?)

Beats me. But congrats on the horse and trailer.
by bottlecap
Tue Dec 01, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Gun Safe Purchase
Replies: 14
Views: 1933

Re: Gun Safe Purchase

I agree with the comments above. A few more things (some of which are reiterations): 1. Bigger is better, they don't hold as much as they say and the bigger it is, the easier time you have getting stuff in and out if frequency of use or nicks and scratches are a concern; 2. Any safe under $3,000 is ...
by bottlecap
Tue Dec 01, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Comparative negligence (car accident)
Replies: 35
Views: 3462

Re: Comparative negligence (car accident)

Thanks for the update. I'm glad that things worked out for your friend.
by bottlecap
Tue Dec 01, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Use Credit Card Company to Resolve Charge at Car Shop?
Replies: 42
Views: 3941

Re: Use Credit Card Company to Resolve Charge at Car Shop?

While they should have told you about the charge, I find it hard to believe you would think a dealership wouldn't charge for an inspection. Next time, just ask them what they charge for brakes - you don't need an estimate. I'm sure it's published. Why take it to them and then decline having the work...
by bottlecap
Sun Nov 29, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market capitalization so different from GDP?
Replies: 14
Views: 1396

Re: Why is stock market capitalization so different from GDP?

Many things come to mind, but I'd point out that GDP is a very blunt accounting figure. There are so many things that would go into market cap, some listed previously, that would not go into a GDP calculation that making the comparison at all would be a waste of time.

JT
by bottlecap
Sun Nov 29, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: I received 'Money' magazine for free. Anyone read it?
Replies: 40
Views: 4236

Re: I received 'Money' magazine for free. Anyone read it?

Might as well read it. The glossy pages aren't much use for toilet paper...

Kidding aside, it's basically financial porn. Real investing is boring and doesn't sell magazines.

JT
by bottlecap
Sun Nov 29, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: The end of our Teflon pans is near...now what do we buy?
Replies: 63
Views: 6692

Re: The end of our Teflon pans is near...now what do we buy?

Julieta wrote:
bottlecap wrote:The best one we've found is the Orgreenic pan. Inexpensive and works well. Cast iron is too heavy for my wife.

JT


Exactly why I want cast iron :wink: Men are great cooks, especially at my house!


Same here. But if there's a way to cook it, it's done on the grill or smoker...
by bottlecap
Fri Nov 27, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: The end of our Teflon pans is near...now what do we buy?
Replies: 63
Views: 6692

Re: The end of our Teflon pans is near...now what do we buy?

The best one we've found is the Orgreenic pan. Inexpensive and works well. Cast iron is too heavy for my wife.

JT
by bottlecap
Thu Nov 26, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: New car vs used car
Replies: 26
Views: 2374

Re: New car vs used car

I've had success with both new and used, but its a small sample size. I think you can find good deals used, but you are taking a chance and have to spend the time looking. The other option is buying used from friends and family so you have some idea of the history, but the timing has to be right, of...
by bottlecap
Thu Nov 26, 2015 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Comparative negligence (car accident)
Replies: 35
Views: 3462

Re: Comparitive negligence (car accident)

Only the driver knows what happened. If it is as she states, I would challenge the insurance company. I don't think that the "I have narrow streets and high curbs" justifies swinging onto any part of the opposite side of the road, but the driver behind was likely too aggressive. I had a la...
by bottlecap
Wed Nov 25, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: Soundbar
Replies: 19
Views: 1930

Re: Soundbar

prettybogle wrote:Just a quick update - ended up buying vizio 5.1 from costco. Very good price and quality


That's what I was going to recommend if you wanted true surround. It's a very good soundbar system at a good price.

JT
by bottlecap
Wed Nov 25, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Which Michelin Tire?
Replies: 19
Views: 1122

Re: Which Michelin Tire?

+1 on LTX MS/2. I just purchased these a month ago and love them! +3 on LTX MS/2. Each of our vehicles rides on them and have been for 6 and 4 years. No problems. No funny noises or vibration after rotating/rebalancing. I still check them every so often, but they basically have eliminated that part...
by bottlecap
Mon Nov 23, 2015 6:02 pm
Forum: Personal Consumer Issues
Topic: Should I keep this car
Replies: 18
Views: 1018

Re: Should I keep this car

Your call. You can "afford" to do whatever you want to do. I can't imagine being in the 39.6% tax bracket, eyeing yet another sports car and really being concerned about mpg, O2 sensor repairs and depreciation. Seems to me like the question is whether to ditch the daily driver and get anot...
by bottlecap
Fri Nov 20, 2015 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can I make a legal last will/testament by myself?
Replies: 52
Views: 4883

Re: Can I make a legal last will/testament by myself?

As you know, I don't have numbers. Based on your requirements, the numbers would be impossible to gather and quantify anyway. Yes, that was exactly my point. Ah, then well played, sir. I also cannot prove by statistics that commercially licensed airline pilots are less likely to make mistakes than ...
by bottlecap
Fri Nov 20, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can I make a legal last will/testament by myself?
Replies: 52
Views: 4883

Re: Can I make a legal last will/testament by myself?

You stated that most people would screw up drafting a will. To know that, one would have to know: (A) How many wills are created without a lawyer, (B) How many of those wills end up being invalid, defective, or insufficient in some way (i.e., did not accomplish what was intended), and (C) that B/A ...
by bottlecap
Fri Nov 20, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I make a legal last will/testament by myself?
Replies: 52
Views: 4883

Re: Can I make a legal last will/testament by myself?

Drafting a will is an activity that most people would screw up in some form or fashion. I won't comment further on the analogies (apparently the mods don't like them?), but can you provide any data for that assertion? How do you know that most people screw up their wills? I doubt there are many peo...
by bottlecap
Thu Nov 19, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can I make a legal last will/testament by myself?
Replies: 52
Views: 4883

Re: Can I make a legal last will/testament by myself?

Sorry, but I think the analogy is apt. You're saying that since some people screw it up, everybody needs to hire a professional. Not apt. No one can change your mind, but there is an obvious difference between activities that it is HIGHLY ADVISABLE to hire a "professional" and those that ...

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