Search found 3724 matches

by bottlecap
Tue Jul 26, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2026

Re: Gas grill recommendations please

I have the Weber Genesis 330. I can't say enough about it. If I could get home early enough, I'd use it every night. We use it all year round.

You can check out http://www.amazingribs.com for reviews and advice on how to use your grill. Some great information there.

JT
by bottlecap
Tue Jul 26, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 49
Views: 3345

Re: My experience with "older" used car

One problem I've noticed in recent years is that many of the parts available for older vehicles are after market junk manufactured in third world countries. They are cheaper than the originals, but often don't last. That's a lesson I learned. And even if they do last, they often don't work as well....
by bottlecap
Tue Jul 26, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: When does it make sense to have a second vechicle?
Replies: 33
Views: 2328

Re: When does it make sense to have a second vechicle?

This would almost never make sense, unless you were considering buying a beater truck for hauling before this offer came up. It makes absolutely no sense to use to commute. There is no reason not to put miles you have to drive anyway on the Malibu. You didn't buy it for investment purposes anyway. JT
by bottlecap
Tue Jul 26, 2016 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Private Wealth Management - Vanguard or ML
Replies: 28
Views: 2441

Re: Private Wealth Management - Vanguard or ML

ML was built on high fees. VG was built on low fees.

Fee have a negative correlation with returns.

Therefore, go with VG.

JT
by bottlecap
Tue Jul 26, 2016 6:19 am
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 1429

Re: Affordable Bachelor party transportation?

Tell them you've shopped it around and they are welcome to pay for a cab for 12 hours or follow the bus in their own vehicle. The bus is the way to go. Ubering 3-5 large vehicles would be hard to coordinate and wouldn't be nearly as much fun. Get all the money up front for everything, otherwise you'...
by bottlecap
Mon Jul 25, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 49
Views: 3345

Re: My experience with "older" used car

New cars can have problems, too. I've had to replace each of these on my nearly 17 year old vehicle. Google and eBay make each of these easy and inexpensive fixes, although at the time the power door lock went out, I had some else do it. Now I'd do it myself. I don't mind spending a Saturday morning...
by bottlecap
Sun Jul 24, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: Double Walled Stainless Steel tip for Fans of the Cocktail
Replies: 7
Views: 742

Re: Double Walled Stainless Steel tip for Fans of the Cocktail

Yes, those the double wall short tumblers are great for cocktails if you don't like too much ice but like to keep them cold.

JT
by bottlecap
Fri Jul 22, 2016 6:02 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 123
Views: 8095

Re: What kind of car do Bogleheads like to drive?

I derive copious amounts of pleasure from driving paid-off cars.

JT
by bottlecap
Fri Jul 22, 2016 5:57 am
Forum: Personal Consumer Issues
Topic: Renovate or replace 12yr old SUV?
Replies: 45
Views: 2333

Re: Renovate or replace 12yr old SUV?

If you spent nearly $40-50k for a separate vehicle on weekends, I suspect you can spend $60k now for another. Sounds like all it needs "replacing" is new leather. The rest is maintenance. I'd have a hard time letting go for a couple of grand on maintenance items, but the "youngest&quo...
by bottlecap
Tue Jul 19, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: Have any of you learned about IUL investing?
Replies: 15
Views: 1121

Re: Have any of you learned about IUL investing?

It's just another way to get you to buy a high fee insurance product you can't fully understand.

Do not bother yourself with such gimmicks.

Good luck,

JT
by bottlecap
Fri Jul 15, 2016 11:33 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 4536

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

Sure you should have bought. But your handle on what EMH states is a bit shakey.

JT
by bottlecap
Thu Jul 14, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 4377

Re: Car Buying Dilemma

Nearly $3000 per year is not cheap. Buy a car for $16k, for instance instance, and sell it. Surely it won't lose $8.5k in value 3 years and some low mileage later.

JT
by bottlecap
Thu Jul 14, 2016 6:24 am
Forum: Investing - Theory, News & General
Topic: A favorite Peter Lynch quote.
Replies: 26
Views: 3434

Re: A favorite Peter Lynch quote.

So I can't see how a believer in Boglehead theory could not agree with Peter Lynch's comment, which of course is directed at all those who express fears about the long-term health of the American stock market. You should have said this in your original post rather than posting a quote without conte...
by bottlecap
Thu Jul 14, 2016 6:01 am
Forum: Investing - Theory, News & General
Topic: The age old question of Fido or VG
Replies: 12
Views: 1081

Re: The age old question of Fido or VG

Fidelity is good, but at least as of a few years ago, they lacked the selection of low cost index funds that Vanguard has. If selection was important, I wouldn't give it up for 5 basis points.

JT
by bottlecap
Wed Jul 13, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: What should I tip the limo driver?
Replies: 25
Views: 2033

Re: What should I tip the limo driver?

I doubt there are very many cabbies who make $200 a day in gratuities. I don't know, but I do know that limousine drivers are not cabbies. They are more professional and thus arguably should garner more in tip money. Limo drivers also keep the limousine clean for you, stock the vehicle with refresh...
by bottlecap
Wed Jul 13, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Pull out of market?
Replies: 56
Views: 5274

Re: Pull out of market?

It's a terrible idea for the reasons you state. Don't change things just because it went up. Don't get out with a plan to get back in. If an uptick makes you feel unsafe and makes you want to get out, NOTHING will ever make you want to get back in. Each time you consider getting back in, the news wi...
by bottlecap
Wed Jul 13, 2016 7:17 am
Forum: Investing - Theory, News & General
Topic: Just as hard to lose to the market as to beat it?
Replies: 53
Views: 3614

Re: Just as hard to lose to the market as to beat it?

To answer what I believe is the OP's question, I think it is easier to underperform the market. The reason is this: the positive returns of the market are driven by a small minority of companies. Fail to include all or most of those companies in your portfolio and you are more likely to underperform...
by bottlecap
Wed Jul 13, 2016 7:07 am
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 5247

Re: Do you tip Uber drivers?

Apparently there is no need to tip, based on what one of my younger friends says. He uses Uber and is good friends with an Uber driver. Some still do tip, though.

JT
by bottlecap
Wed Jul 13, 2016 7:04 am
Forum: Personal Consumer Issues
Topic: What should I tip the limo driver?
Replies: 25
Views: 2033

Re: What should I tip the limo driver?

Probably $200.
by bottlecap
Fri Jul 08, 2016 11:01 pm
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 3023

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

$300 doesn't sound too crazy.

Don't think I'd do this repair myself unless I wanted to invest in the proper tools and thought I could do it safely. For most, it's a hire-it-out job.

JT
by bottlecap
Sun Jul 03, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8268

Re: synthetic oil changes

Whatever people do with their cars is up to them. I agree. However, for the OP's benefit, changing the oil every six months regardless of mileage is unnecessary, especially with a synthetic and outside of a very cold climate that will thicken the oil more quickly with age. If it makes him feel bett...
by bottlecap
Sun Jul 03, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8268

Re: synthetic oil changes

I need it for my car that I drive about 5k a year. My wife has a 15' Crv as well. Even though the miles are not a lot, I change both twice a year. Oil gets old. You are wasting oil and filters, especially if you are using synthetic oil. Although an argument could be made for more frequent changes i...
by bottlecap
Sat Jul 02, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Stimulating toys for 3-5 year old
Replies: 18
Views: 1532

Re: Stimulating toys for 3-5 year old

Sort of sounds like you've got it covered. Why the worry?

Maybe Mindware Imaginets?

JT
by bottlecap
Fri Jul 01, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: What am I not understanding?
Replies: 45
Views: 3818

Re: What am I not understanding?

Welcome to the forum. Now, I don't mean to sound sarcastic, but what you are not understanding are the fundamentals of investing. Anyone one can look at a historical return chart and pick the best numbers. A middle school student could do that. But historical returns a star hedge fund manager do not...
by bottlecap
Thu Jun 30, 2016 7:25 am
Forum: Personal Consumer Issues
Topic: Not legal advice [Seeking advice about HOA ban on swimming pool use]
Replies: 62
Views: 5615

Re: Not legal advice [Seeking advice about HOA ban on swimming pool use]

I've never had much of an issue with HOAs, but am well aware of the dynamics and type of folks that staff them. Maybe a lawyer is the way to go, especially if this was truly a simple mistake. The HOA at least needs to communicate more about its decision if it hasn't already. A ban for the season sur...
by bottlecap
Thu Jun 30, 2016 7:06 am
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3520

Re: Reducing Electric Bill- Point of Diminishing Returns?

When you make a long post on the Bogleheads forum about a $72 electric bill!

Seriously, you probably hit that point long ago. Relax and don't worry about saving a few extra cents on this bill. There has to be other, lower hanging fruit in your budget to obsess about.

JT
by bottlecap
Wed Jun 29, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Can this roast beef be saved?
Replies: 22
Views: 1678

Re: Can this roast beef be saved?

Chuck is certainly not tender. It's possible that you just got a really tough cut, but more likely that you didn't cook it long enough. The key thing that anyone would need to know to help is the internal temperature you cooked the meat to. The fact that you mentioned time only suggests that you pro...
by bottlecap
Tue Jun 28, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11486

Re: What did you learn from the post-Brexit bloodbath?

There will be no "lessons" from this, aside from what we already know: "Stay the Course." In 5 years, those decrying it now will say, "Things would have been better if it didn't happen." Those rejoicing in it will say, "Things would have been worse if it didn't hap...
by bottlecap
Tue Jun 28, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 10706

Re: Please help! Buyer's remorse, need advice

I'd just take it easy. There is no hurry to get rid of the truck just yet - that decision has already been made. Do you really not like it, or are you beginning not to like it because it doesn't seem like it was as good of a move as you thought? What's done is done, slow down and don't compound thin...
by bottlecap
Mon Jun 27, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: Maximize retirement spending... or Happiness?
Replies: 10
Views: 1180

Re: Maximize retirement spending... or Happiness?

I know people who love being miserable. What about them? Some people are happiest maximizing income. What about them? I agree that you can't maximize happiness through spending or through saving. You simply have to do a bit of both. Happiness is a separate measure which can be affected by spending o...
by bottlecap
Mon Jun 27, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 3584

Re: Loans to Friends

Unless you make $600,000 per year, this is a "no" for me. Frankly, I think a good rule of thumb is not to loan more than 5% of your annual income, and that's only if you can afford to completely lose it. Because you likely will. In addition, unless you document it properly, when his busine...
by bottlecap
Mon Jun 27, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: 3 Day Old Odyssey in an Accident- Anything I should know?
Replies: 16
Views: 1095

Re: 3 Day Old Odyssey in an Accident- Anything I should know?

Report the incident to your insurance company if you already haven't.

When dealing with an out of state driver and an out of state accident, you definitely do not want to try to handle this yourself. It's bad enough if everyone is local.

I'm glad everyone is okay.

JT
by bottlecap
Mon Jun 27, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Car talk: sonata MPG dropped a lot
Replies: 43
Views: 2820

Re: Car talk: sonata MPG dropped a lot

I'm surprised it doesn't throw a code. I'm not an expert on this, but have dealt with a similar issue lately and had to troubleshoot the t-stat. My guess is something like a stuck t-stat is unlikely to throw a code because it can be a a mechanical failure of the part. The ECU can't detect that, but...
by bottlecap
Mon Jun 27, 2016 6:12 am
Forum: Personal Consumer Issues
Topic: Car talk: sonata MPG dropped a lot
Replies: 43
Views: 2820

Re: Car talk: sonata MPG dropped a lot

Thanks to all of your comments! Sounds I need to make a trip to the dealership. Hyndai offers 10 year power train warranty and I hope this is covered. Will see. Not likely to be covered under a power train warranty, unfortunately. Are there any independent mechanics in your area? I hate to see you ...
by bottlecap
Sun Jun 26, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: Car talk: sonata MPG dropped a lot
Replies: 43
Views: 2820

Re: Car talk: sonata MPG dropped a lot

It would not happen so quickly. Assuming you are doing very similar driving, something is wrong. There are a number of things that could do this suddenly, but the thermostat is a good guess.

JT
by bottlecap
Sun Jun 26, 2016 10:36 pm
Forum: Personal Consumer Issues
Topic: If this ever was, is it still a valid contract?
Replies: 10
Views: 1661

Re: If this ever was, is it still a valid contract?

This will be state specific. However, in general, if the individual entered into a valid contract, it would be enforceable. If there is no writing, then the business may have a hard time proving the verbal agreement was specific enough to be enforceable. If I was the estate attorney (and I am not on...
by bottlecap
Sun Jun 26, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 10233

Re: Good Deal on a Pocket Pistol

Glocks are very safe: https://www.quora.com/How-is-the-Glock-safe-action-trigger-a-safety-at-all Many people, including myself, carry glocks with a round chambered. What definition of "very safe" includes a trained police officer losing their glock from a concealed carry holster (they wer...
by bottlecap
Thu Jun 23, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 10233

Re: Good Deal on a Pocket Pistol

I saw this: http://www.kygunco.com/Product/View?ItemNo=95665#.V2wz6vkrKUk which is a pretty good deal on a Ruger .380 LCP Custom. $226.59 with free shipping, so I thought I'd bring it to your attention. Thanks. I'm not so familiar with it. Given that toddlers are involved in pulling the trigger in ...
by bottlecap
Wed Jun 22, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5640

Re: Should I express my inheritence thoughts to my father?

It's not really any of your business. I would not broach it.

At least you will not squander the inheritance you receive as your siblings likely will.

JT
by bottlecap
Wed Jun 22, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: lawsuit question
Replies: 3
Views: 824

Re: lawsuit question

This will be state dependent.

JT
by bottlecap
Wed Jun 22, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Tax time ramifications for Casino winnings
Replies: 11
Views: 774

Re: Tax time ramifications for Casino winnings

IMO if you were audited the ATM receipt is not going to work. That being said I know my go-to casino will provide you with a win/loss statement that could be used, but I'm no expert. I haven't gone back and read the link to the IRS publication, but my recollection is that you will need more than AT...
by bottlecap
Wed Jun 22, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 98
Views: 5466

Re: IWC Watch, any thoughts?

It's certainly a beautiful watch, but cripes. You'd think there'd be something good looking in for less than $1,000. I like watches. But I have a hard time figuring out what makes a "good" one. I understand the differences, of course. And I get that the Timex is not quite as good looking. ...
by bottlecap
Tue Jun 21, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 5293

Re: Where (safely and legally) to keep "cash"?

Get a home safe.
by bottlecap
Fri Jun 17, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Leasing a car at age 23
Replies: 51
Views: 3302

Re: Leasing a car at age 23

njoyingdajourney wrote:You may decide to never buy used again if you buy a used lemon. & get fired cause your car keeps breaking down making you late.


Lemon typically refers to a new car, so there's that...

Obviously you're looking for a used car in good shape, but new or used, no vehicle is a sure thing.

JT
by bottlecap
Fri Jun 17, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Leasing a car at age 23
Replies: 51
Views: 3302

Re: Leasing a car at age 23

You would be better off buying used. The only way leasing makes sense is if you want a new car every 3 years. You pay more for it, but you have a new car. At 25, you'll be hard pressed to negotiate a less-terrible lease deal. Not only will they view you as a sucker, but a young sucker. Even if you a...
by bottlecap
Wed Jun 15, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace Vehicle?
Replies: 20
Views: 1486

Re: Repair or Replace Vehicle?

I'd fix.
by bottlecap
Tue Jun 14, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Live the Good Life Today vs Save For a Better Life Tomorrow
Replies: 84
Views: 7498

Re: Live the Good Life Today vs Save For a Better Life Tomorrow

1. Everything in moderation. 2. You don't need money (or spend money) to have experiences. 3. The example is bogus for several reasons, not the least of which is that in real life access to credit dries up pretty quickly if your "experiences" require going into debt. So, the person going d...
by bottlecap
Mon Jun 13, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Didn't Pay Off the Mortgage Today
Replies: 85
Views: 8310

Re: Didn't Pay Off the Mortgage Today

Strange post. Not sure why you find it significant to share because other people are understandably happy to do the opposite. I understand that you are gambling on margin to make money off of today's low interest rates, but it's a gamble that very few of us are knowledgeable enough to understand the...
by bottlecap
Tue Jun 07, 2016 6:32 am
Forum: Personal Consumer Issues
Topic: Kitchen remodeling increases home value?
Replies: 30
Views: 1910

Re: Kitchen remodeling increases home value?

Ive read numerous places that you will hope to recoup 95% of what you spend on a kitchen remodel if you do it right. But your house will probably sell a little faster and you'll get to enjoy it while you're there. You're friend is correct if you spend 30 to 35% of the value of your home on it! In an...

Go to advanced search