Search found 4049 matches

by bottlecap
Sat Feb 18, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 38
Views: 1807

Re: Long Day Trip: Drive Old Car or Rent Car?

By your calculation, you save about $13 by renting. If the fun of having a different car minus the process of renting is worth the 13 bucks for you, go for it. The rest of your reasoning is bogus. JT Way to call someone's thoughts bogus. Renting a car for a road trip would be fun. Read. Please. I a...
by bottlecap
Sat Feb 18, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 38
Views: 1807

Re: Long Day Trip: Drive Old Car or Rent Car?

By your calculation, you save about $13 by renting. If the fun of having a different car minus the process of renting is worth the 13 bucks for you, go for it.

The rest of your reasoning is bogus.

JT
by bottlecap
Fri Feb 17, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How to sell a funeral plot located in Hawaii on the slopes of Diamond Head (great views)?
Replies: 31
Views: 1763

Re: How to sell a funeral plot located in Hawaii near Diamond Head?

[Post removed --admin LadyGeek]


Although culturally insensitive, I personally tend to agree.

I don't think it matters if you are there or not, I'd call the paper to list them. There's got to be a site online to list them, too, if not eBay or Craigslist.

JT
by bottlecap
Thu Feb 16, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2571

Re: Tires for an old car

Although it's very difficult to confirm via the internet, the transmission speed sensor seems like the most obvious culprit given the code.

Do please report back so we have some closure, though!

JT
by bottlecap
Thu Feb 16, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2022

Re: I may be a workaholic?

I agree that it's not a problem for you if you enjoy it.

If it is a problem for your spouse, then you certainly could cut back based on your financial situation.

Congratulations!

JT
by bottlecap
Wed Feb 15, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Investing Advice for Baby/Infant
Replies: 15
Views: 1149

Re: Investing Advice for Baby/Infant

Open a 529 plan if you can afford it. There are tax benefits to be had. Other than that, just be a good parent. I think as Bogleheads - especially new(ish) ones, we get a little too excited about saving early (I consider any other accounts at 4 mos at tad early...) and forget that money is fungible....
by bottlecap
Wed Feb 15, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 3812

Re: What to do with daughter's $100

Things certainly sound better than you first described, given that she is paying rent and some expenses. I think it's great that you are trying to get her motivated and are keeping an open mind. Two other things came to my mind. One is a career coach if she just doesn't know what she wants to do. I ...
by bottlecap
Wed Feb 15, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3211

Re: I want to ditch the cable company's modem

Go to Costco and buy the motorola surfboard model they carry. $80. Done!

JT
by bottlecap
Wed Feb 15, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1923

Re: Where to buy rare steaks?

Believe it or not I bought a nice steak from our local butcher and did not enjoy. Can't remember the exact cut though. Bought the same thing from Wal Mart as a trial and really enjoyed it. Maybe my palate is in decline. Easier on my wallet though :D Same thing happened to me. My wife picked up a ri...
by bottlecap
Wed Feb 15, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1923

Re: Where to buy rare steaks?

I was surprised to read that Costco blade tenderizes their beef.... so I had to look it up. It appear like at least some of their beef is tenderized, and they say it is labeled as such. I buy about 50% - 75% of my steak from Costco (prime rib-eyes lately - $$). The warning is in small, unobtrusive ...
by bottlecap
Wed Feb 15, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1923

Re: Where to buy rare steaks?

I was surprised to read that Costco blade tenderizes their beef.... so I had to look it up. It appear like at least some of their beef is tenderized, and they say it is labeled as such. I buy about 50% - 75% of my steak from Costco (prime rib-eyes lately - $$). The warning is in small, unobtrusive ...
by bottlecap
Tue Feb 14, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy rare steaks?
Replies: 28
Views: 1923

Re: Where to buy rare steaks?

There are few things I enjoy more than eating a cut of bloody rare steak. However, I'm loathe to buy steaks from the supermarket and eat them rare at home. I honestly don't trust the quality. Where do you obtain high quality steaks you can enjoy rare at home while minimizing the risk of getting sic...
by bottlecap
Mon Feb 13, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2206

Re: New car for wife and what to do with old car

Rent a minivan for a week. Then rent a small SUV. Your wife will love the minivan. If she doesn't, her inconvenience with a small SUV is (mostly) not your problem.

JT
by bottlecap
Mon Feb 13, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 3812

Re: What to do with daughter's $100

Sounds like an earnings problem more than a savings problem. Sorry to say, this, but she needs to get a new career plan or move out on her own. You are the only one that can make her. At the least, I would make it very uncomfortable for her to live with you, like make her turn over all her income an...
by bottlecap
Sun Feb 12, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: suggested auto liability levels?
Replies: 13
Views: 1076

Re: suggested auto liability levels?

I'll pass on the recommendation for 100/300/100. Thanks for your collective wisdom. He needs to worry about being the one injured and the other driver only having minimum coverage. He should should consider high UM/UIM and possibly an umbrella that will cover him. In some states, it is estimated th...
by bottlecap
Sun Feb 12, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Need to replace rear shocks?
Replies: 22
Views: 805

Re: Need to replace rear shocks?

Can you look to see if they are leaking? You can see all sorts of stuff if you get under your car with a light. I, too, would be skeptical of the dealer's claims. Bad shocks on a gently used minivan that started at 50,000 sounds sketchy. Next time go to the independent to get on oil change. Ask them...
by bottlecap
Sun Feb 12, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 185
Views: 11572

Re: Why do you go to restaurants?

Since we had kids, we almost never eat out. It's just too costly, plus my wife is a good cook and I cook a number of things pretty well that even a pretty good restaurant can't match. Nonetheless, we sometimes eat out for convenience (it's never terribly convenient with kids, though). Most of the ti...
by bottlecap
Sun Feb 12, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 78
Views: 4755

Re: Terrible negotiator - need help with words to use [Buying a car]

"It's the color I want..." This is part of the problem. Your only threat is to walk away if you already have your heart set on exactly what they have. And if that's the case, why would you walk away? You need something to negotiate. Color, options, another make or model, and maybe other of...
by bottlecap
Sat Feb 11, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2578

Re: Convince Wife for Honda Odyssey

Rent one for a week.

Everyone is against a minivan until they actually use one.

JT
by bottlecap
Fri Feb 10, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3739

Re: mattresses and alcohol (bourbon, scotch, whiskey)

OK, so it appears that others are more comfortable having a master distiller water down their drinks than I am. It appears they get paid by the brewery. The master distiller knows more about bourbon than you or I, so yes, I'm comfortable with that. Otherwise I would not buy the product. And there a...
by bottlecap
Wed Feb 08, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: Rand Paul predicts bubble / boom in stock market
Replies: 16
Views: 1522

Re: Rand Paul predicts bubble / boom in stock market

If the opinions of career economists are useless to predict market movements, why would you listen to politicians? I'm not making a comment on the senator, but politicians misrepresent things at least as much as they are wrong about things. If you do the calculus, that leaves very little of what the...
by bottlecap
Wed Feb 08, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: Is Traditional Passive Investing Truly Passive?
Replies: 8
Views: 656

Re: Is Traditional Passive Investing Truly Passive?

Who cares if it works? Let's assume it's not "passive" according this windy explanation. Why does it matter? Isn't it pedantic to claim the definition of passive matters when one is arguing against passive (or really index) investing in general? Invest passively because you think it is the...
by bottlecap
Wed Feb 08, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 40
Views: 3495

Re: Rule of Thumb for Getting Rid of Car

If you really think the transmission will go, then looking into replacing is legitimate.

But his is not a new vs repair decision or rule of thumb. This is an "I bought a poorly made car, should I cut my losses" thread.

If you decide you should, don't buy another bad car!

JT
by bottlecap
Wed Feb 08, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: John Hancock 401(k)
Replies: 21
Views: 861

Re: John Hancock 401(k)

My wife had JH until recently. They are annuitized funds. Cheapest we was .57 for an index fund. With other fees account fee, broker's fee, the cost per year was at least 1.57% for the cheapest fund. They don't advertise these fees and the rep misreprented their existence at the meeting. I later pin...
by bottlecap
Tue Feb 07, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 113
Views: 5721

Re: Child on the Way - What to do for College Financing?

I'm not saving for college. Payment is near impossible if you are saving for a good private institution.

If I do well enough that I can help, great. Otherwise the kids are on their own.

JT
by bottlecap
Tue Feb 07, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: [Seth Klarman NY Times Article]
Replies: 19
Views: 1558

Re: Seth Klarman on problem with index funds

So, as the argument goes, stocks of promising or insanely profitable companies not a part of the index will be cast adrift. Yeah, right. Aside from that, indexes are not static. Nor does every index invest in the exact same companies. The most simple response is that it doesn't take many active inve...
by bottlecap
Tue Feb 07, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2669

Re: College kids driving cars (to live off campus)

When I was in college, I ultimately received by brothers wife's Tercel with 120,000 miles on it. At first I hated it, but it didn't need repairs and was easy on gas. I'd suggest something cheap, small, and not terribly cool. That way it will be easier to park, he'll have less people in it, and no on...
by bottlecap
Mon Feb 06, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3739

Re: mattresses and alcohol (bourbon, scotch, whiskey)

likegarden wrote:I only drink beer during a football game.


I only drink during golf. It's gotten so I can hit a 240 yard drive one-handed. :wink:

JT
by bottlecap
Mon Feb 06, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is it better to get a mortgage from a local/small lender?
Replies: 27
Views: 2257

Re: Is it better to get a mortgage from a local/small lender?

A small bank's money spends the same as a big bank's money.

The big bank might have more branches, better mobile banking, and a more user-friendly website, though.

JT
by bottlecap
Mon Feb 06, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: Too good to be true? [Bogleheads' model of index investing]
Replies: 48
Views: 5575

Re: Too good to be true?

I don't get it. It's not "too good to be true;" it's just facts. Things that are "too good to be true" promise tremendous upside with little to no downside. Usually they promise these gains in a short period of time. Index investing promises you market returns less costs. Because...
by bottlecap
Mon Feb 06, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Can you hear me scam
Replies: 13
Views: 1708

Re: Can you hear me scam

Google is quicker.
by bottlecap
Mon Feb 06, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Betterment White Paper major error? Check my math..
Replies: 31
Views: 2864

Re: Betterment White Paper major error? Check my math..

They ignore the income tax deduction, so it's not an apples to apples comparison.

You are correct.
by bottlecap
Mon Feb 06, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3739

Re: mattresses and alcohol (bourbon, scotch, whiskey)

I have a real problem with an expert choosing how much something should be watered down, especially when they may have a financial incentive. As to cost: Why equate it to beer? It's not beer and takes considerably longer to produce. As to water: The reason the water is added is to get the flavor ri...
by bottlecap
Sun Feb 05, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 328
Views: 17364

Re: Why go with an 80% stock / 20% bond portfolio?

You may decide it's not worth, but if you are missing anything, you are only looking at one year. Why not look at the best o e year period and make the decision?

I think you have to look at the whole picture and then make your decision.

JT
by bottlecap
Sat Feb 04, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 40
Views: 3314

Re: Disney Cruise instead of Disney World?

Disney Cruises are nice, but a bit pricey. Compared to Disney World? They both have characters, but the cruise does not have rides. Cruise has ports, Disney World has no ports. Cruise is lowers stress, but you'll have a smaller room. Not that you spend much awake time in your room on a cruise. Good ...
by bottlecap
Fri Feb 03, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being given needlessly complicated advice?
Replies: 31
Views: 2902

Re: Am I being given needlessly complicated advice?

PhysicianOnFIRE wrote:I recently helped someone create their own simple 3-fund portfolio @ Fidelity. They were coming from an advisor who had them quite unnecessarily in 28 different funds.


Nice job. I like it.

JT
by bottlecap
Thu Feb 02, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Just watched Warren Buffett's new HBO Documentary
Replies: 50
Views: 6664

Re: Just watched Warren Buffett's new HBO Documentary

In any event, Buffett hasn't really done better than the market for a long while, IIRC. If he can't do it, I know I can't. JT $100 invested in SP 500 in 1964 would grow to $2,000 in 2014, same $100 would grow to $2 million if invested in Berkshire Hathaway. Proves nothing, if you know what you are ...
by bottlecap
Thu Feb 02, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being given needlessly complicated advice?
Replies: 31
Views: 2902

Re: Am I being given needlessly complicated advice?

Yes. No more than six funds. All you probably need is three.

JT
by bottlecap
Thu Feb 02, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to Start 3-Fund Portfolio with Less than $3000
Replies: 22
Views: 1902

Re: How to Start 3-Fund Portfolio with Less than $3000

luckybamboo wrote:Thanks for great suggestions. Are all these funds good in a taxable account ?


Not ideal in taxable, as anything with a bond fund is going to generate more taxable income. But a 3 fund portfolio generally contains bonds.

JT
by bottlecap
Thu Feb 02, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to Start 3-Fund Portfolio with Less than $3000
Replies: 22
Views: 1902

Re: How to Start 3-Fund Portfolio with Less than $3000

Is there any way to start a 3-fund portfolio if I have $1500? I can add $500 a month on going but don't have more right now to invest. Please suggest options. Save for two more months, open account at Fidelity and put it in the Fidelity 4 in 1 index fund. Great fund. Easy fund. Would do it myself, ...
by bottlecap
Thu Feb 02, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Are Defined Benefit Plans a rip off?
Replies: 49
Views: 3965

Re: Are Defined Benefit Plans a rip off?

Thank you. I am still in shock of the negligence we have had in our finances. I thought dh and his accountant were managing things. I just ordered the 2 Bogle books to dig into this weekend. I read Personal Finances for Dummies and Suze Orman and a few others but most are fluff focused on people wh...
by bottlecap
Thu Feb 02, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Just watched Warren Buffett's new HBO Documentary
Replies: 50
Views: 6664

Re: Just watched Warren Buffett's new HBO Documentary

No offense intended, but it doesn't sound like a very good documentary if you watched the whole thing and were left with the impression that Buffett is a stock-picker.

In any event, Buffett hasn't really done better than the market for a long while, IIRC. If he can't do it, I know I can't.

JT
by bottlecap
Thu Feb 02, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Are Defined Benefit Plans a rip off?
Replies: 49
Views: 3965

Re: Are Defined Benefit Plans a rip off?

A defined benefit plan is usually through an employer. What this sounds like is an annuity. An annuity purchased before you need it and through a "financial advisor" is almost certainly a bad deal.

You are right to be concerned.

JT
by bottlecap
Thu Feb 02, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 54
Views: 2971

Re: Pet insurance for new puppy

It sort of depends on your relationship with pets. Some people treat them better than their neighbors (or kids!). I'm fond of animals, but would never pay for their health insurance. They are animals. I don't know exactly what my threshold would be, but somewhere near $1,000 would likely be my limit...
by bottlecap
Thu Feb 02, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Are we misusing backtesting tools like portfoliovisualizer?
Replies: 21
Views: 1901

Re: Are we misusing backtesting tools like portfoliovisualizer?

Ahhh, there is nothing more comforting to human psyche than the illusion of control.

JT
by bottlecap
Thu Feb 02, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 5351

Re: Milestone and gotta tell someone

Impressive for a CA resident.

Congrats!
by bottlecap
Thu Feb 02, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8044

Re: How do you guys ignore this stuff?

Experience.

Also, I don't watch or read financial outlets any more.

JT
by bottlecap
Thu Feb 02, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 3621

Re: Should I say YES or NO to this new job responsibility?

I agree with the poster who said it will be just like the last time - more work for no extra pay. But it's hard to see how you can turn it down without a negative effect on you relationship with your employer. Whether it will advance your career at the company is best guessed by you. Every business ...
by bottlecap
Tue Jan 31, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Fixing Automatic Garage Door Motor
Replies: 18
Views: 1451

Re: Fixing Automatic Garage Door Motor

I like to try to fix things. But a 20 YO garage door opener? Unless I was saving $350+ bucks by repairing, I'd just buy another and maybe install it myself.

JT
by bottlecap
Tue Jan 31, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Help!
Replies: 9
Views: 655

Re: Health Insurance Help!

Has anyone used Obamacare? Has anyone gone directly to health insurance providers and gotten a better price? I have never been in this position before so I am not sure whether or not I just need to swallow the $1800 a month for the next year until my husband switches again or if we have another opt...

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