Search found 5125 matches

by bottlecap
Sun Feb 18, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 118
Views: 6100

Re: Do you wear a wedding band?

triceratop wrote:
Sun Feb 18, 2018 5:27 pm
Mainly geared towards men, but applicable to women too...
Mainly geared towards married men.

As I am unmarried, no I do not wear one. I hope this helps.
??? :oops:

My father lost his and never replaced it. I wear mine almost all the time so I don’t lose it. It’s never bothered me.

JT
by bottlecap
Sat Feb 17, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5616

Re: Effect of spending money on appearance in career

We all like to believe that we earn everything on merit. Yet studies show appearance counts for a lot. Unfairly more so for women, but true for everyone.

I don’t go overboard, but I keep in mind that merit is a baseline only.

JT
by bottlecap
Sat Feb 17, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 29
Views: 1746

Re: used Prius (or Chevy Volt?)

My sister loves her Prius. Don’t lose the key. If My choice was between the Prius and Volt, there is no way in the world I would choose the GM product. GM is not know for their long-term reliability. Toyota is. Not even even close. And, as the (co)owner of a GM vehicle, having a GM with new technolo...
by bottlecap
Sat Feb 17, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1118

Re: Older iPhone slowdowns - tips or considering switching?

Mines a bit slower, but just an aggravation.

When it’s time for a new phone, I will see the new prices and remind myself of the aggravation, right before I buy my new android phone.

Thanks for the memories, Apple...

JT
by bottlecap
Sat Feb 17, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 40
Views: 3937

Re: $12,000 Refrigerator?

I’d look into a Subzero before dropping that kind of coin on a Viking.

Good luck,

JT
by bottlecap
Sat Feb 17, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 39
Views: 2294

Re: Mixing fuel octanes for cars

Someone who is thrifty enough to even consider doing this should probably have bought a car that runs on 87 octane regular. :oops: THIS! 👍🏼 Not really. By this logic pretty much nobody should be doing anything frugal since you will always find something else they could have done. Why are you shoppi...
by bottlecap
Fri Feb 16, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 138
Views: 8317

Re: I'm Cancelling My Home Insurance

The market always recovers on its own. A burned down house never recovers on its own. Good point. I think if you have enough money where you don't need home insurance, then the premium on the home insurance relative to your net worth is negligible anyway. I suppose you can live without it, but I'm ...
by bottlecap
Fri Feb 16, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 138
Views: 8317

Re: I'm Cancelling My Home Insurance

The market always recovers on its own. A burned down house never recovers on its own. Good point. I think if you have enough money where you don't need home insurance, then the premium on the home insurance relative to your net worth is negligible anyway. I suppose you can live without it, but I'm ...
by bottlecap
Fri Feb 16, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 74
Views: 4010

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

There are a good many ways to become permanently disabled. Only a few of them involve uninsured motorists. You could insure against most of them with a disability policy or only a few. I have seen nothing in this thread that this policy is different in any way dread disease insurance. An accident c...
by bottlecap
Fri Feb 16, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 74
Views: 4010

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

westrichj312 wrote:
Fri Feb 16, 2018 9:47 am
If you have comp and your own medical insurance your being sold something you absolutely don't need and never will use or get your monies worth!
If you don't value things like walking, you might be correct. Otherwise, you are not correct. Then buy some cheap insurance.

JT
by bottlecap
Fri Feb 16, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 19
Views: 1740

Re: Repairing Stucco: A Case of Contractor Gouging

If so, do you also suspect that there is collusion on some level to fix prices? Would this be actionable, either privately through some class action, or publicly through the AG office? Would I be inviting a broken kneecap? Where is the collusion? You got a bunch of different prices. If you don't li...
by bottlecap
Thu Feb 15, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 74
Views: 4010

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

UM/UIM is typically cheap. $1,300 a year sounds way out of whack, even if premiums do very by state.

We pay $1,000 per year total for two cars and two drivers for all our car insurance, with maximum UM/UIM.

Might be time for you to shop around.

JT
by bottlecap
Thu Feb 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 848

Re: Used car - warranty or no?

Financially, CPOs and extended warranties are a bad deal. You are placing a losing bet when you buy one. It's like going into a Casino, but the reverse. The Casino sets the odds and then offers a bet that they know they will win 55% of the time. Sometimes customers walk out with winnings. Most times...
by bottlecap
Thu Feb 15, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 75
Views: 7659

Re: Can someone help me explain to my wife...?

Tell her that if that kind of strategy really worked, everyone would do it. The problem is: 1. Waiting for the crash can give up years of gains, and 2. Waiting for the crash requires you to "go all in" at what looks like the worst possible moment. The second is the hardest part. Once the market decl...
by bottlecap
Wed Feb 14, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 124
Views: 6597

Re: philosophicaleconomics predicts 4% real equity returns

Future U.S. Equity Returns: A Best-Case Upper Limit Posted on January 15, 2018 by philosophicalecon@gmail.com http://www.philosophicaleconomics.com/2018/01/future-u-s-equity-returns-a-best-case-upper-limit/ I find this article highly fascinating. It confirms a hunch I've had all along that inflated...
by bottlecap
Wed Feb 14, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Advice with Car Replacement?
Replies: 21
Views: 915

Re: Advice with Car Replacement?

I’m curious as to why having a second kid “obviously” requires more seats in your truck. I presume you never had a car seat in the front seat of the truck. Why do you need to put a car seat in there now? But if you want to replace the truck, I’d get one with a quad cab. So maybe option #1. Personal...
by bottlecap
Wed Feb 14, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: SO stock accumulation for dividend and hedge if market turns Bearish?
Replies: 12
Views: 503

Re: SO stock accumulation for dividend and hedge if market turns Bearish?

Why not buy a bond and hold it to maturity?

Dividends change. Stock prices change.

Your average dividend-paying stock still carries more risk than your average bond.

So your goal of safety is an illusion.

Good luck,

JT
by bottlecap
Wed Feb 14, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Advice with Car Replacement?
Replies: 21
Views: 915

Re: Advice with Car Replacement?

I’m curious as to why having a second kid “obviously” requires more seats in your truck. I presume you never had a car seat in the front seat of the truck. Why do you need to put a car seat in there now? But if you want to replace the truck, I’d get one with a quad cab. So maybe option #1. Personall...
by bottlecap
Wed Feb 14, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3338

Re: rule of thumb of when to sell your car

Are you sure you should be driving if you can not distinguish between https://media.ed.edmunds-media.com/lexus/rx-300/2000/oem/2000_lexus_rx-300_4dr-suv_base_fq_oem_2_500.jpg and http://d3c6bloycjddy.cloudfront.net/wp-content/uploads/2016/12/pic-1-22.jpg ?:) Some people just don't notice style (clo...
by bottlecap
Wed Feb 14, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3338

Re: rule of thumb of when to sell your car

There is no rule of thumb. If there was, everyone would follow it. And you'd have a hard time selling it when the time to sell arrived. I sounds like you've got a good car. Since you know it is a good car and a buyer can't be sure, with all other things being equal, it is worth more to you than some...
by bottlecap
Wed Feb 14, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 64
Views: 3624

Re: Is This Action by Megacorp Legal?

Your post is way too long to fully read. JT Then I suggest you don't read it. I'm trying to help you. And also notify you as it relates the remainder of my previous post. Many people wonder why they don't get enough responses or accurate responses, but others do. Long posts with extraneous informat...
by bottlecap
Wed Feb 14, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 64
Views: 3624

Re: Is This Action by Megacorp Legal?

Your post is way too long to fully read. But I’m betting your friend got notice and didn’t read it. Even if that’s what all the other 300 employees told him when he personally spoke with each of them... If he really didn’t, he can talk to an ERISA lawyer if he has any actual damages. Or look at the ...
by bottlecap
Tue Feb 13, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 10826

Re: Did you learn anything from the market correction?

I learned that experience is gold. I lost a good bit, even with a fair amount of bonds, and merely took note.

I learned that market downturns bring out the market timers as much as sustained upswings, only faster.

I know enough to question this post's premise that the correction is over...

JT
by bottlecap
Mon Feb 12, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 24
Views: 2219

Re: Costco 'Goodyear' wiper blades

Those blades are okay, but they don't last that 2-3 years. Maybe a year.

I've gone to the Bosch, which are twice as expensive (maybe a little more), to see how those go. So far, so good, but I haven't owned then that long.

JT
by bottlecap
Mon Feb 12, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19347

Re: I bought a stock today - Redfin (RDFN)

Vanguard's mission statement: Vanguard is on a mission to lower the cost of investing while continuously raising standards. ... To take a stand for all investors, To treat them fairly, And to give them the best chance for investment success. Redfin's mission statement: Our mission is to redefine re...
by bottlecap
Mon Feb 12, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4565

Re: Random conversations regarding money

He (she?) wanted to talk about investing. He spends a lot of time researching, reading, and posting about gold on internet forums. So he got to the party and wanted to talk about it. There are probably a few Bogleheads like that... You did the right thing. A goldbug, particularly that is so committe...
by bottlecap
Mon Feb 12, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16570

Re: Number at which to stop worrying

I think we love to pretend that the world should be free of worry. As if we have some right to be exempt from the rigors of existence. We don't. Not withstanding, $4 million would do it for me. I'll probably never make it there and will still be well off anyway, but that's the level where I wouldn't...
by bottlecap
Mon Feb 12, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19347

Re: I bought a stock today - Redfin (RDFN)

Didn't expect to see HOT STOCK PICKS on this board. Reads like the first few pages of the GTAT stock forums. Cool cool cool. What's wrong with discussing less expensive consumer driven companies? It's bogleheads.org. Jack Bogle, the guy who created Vanguard? Do you not believe there are similaritie...
by bottlecap
Mon Feb 12, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Is it stupid of me to comprise almost all of my portfolio with high dividend funds/etfs?
Replies: 16
Views: 967

Re: Is it stupid of me to comprise almost all of my portfolio with high dividend funds/etfs?

Dividends aren't what they used to be.

Nonetheless, they spend the same as capital gains. They are simply taxed at a higher rate.

JT
by bottlecap
Mon Feb 12, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7092

Re: I’m not renewing my Costco membership.

I’m happy that you were able to make a decision.

JT
by bottlecap
Sat Feb 10, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6589

Re: Day trading for a living/career?

I'm sorry. You are completely dreaming. Of course, everyone would like to trade a few hours a day and study-up in the evening. Very few people can do it. Those that can have enjoyed complete luck. But with luck, they think they can beat professional investors with far less research. Yeah right. JT
by bottlecap
Fri Feb 09, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Does Anyone Know Anything?
Replies: 36
Views: 3382

Re: Does Anyone Knows Anything?

The minute you realize that you know nothing, everyone else knows nothing, and, more importantly, even if someone knew something you can’t pick that person out in advance, be careful.

You are on the precipice of becoming a Boglehead.

JT
by bottlecap
Fri Feb 09, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2836

Re: Not happy where we live

Is where you live more important than financial security?[/b] It is to me, but everything is relative. If living where I wanted to makes me less rich, that's one (okay) thing. If it would lead me to financial ruin, that would be another. There is obviously a give and take. To live where I live, for...
by bottlecap
Fri Feb 09, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy
Replies: 15
Views: 994

Re: Investment Strategy

As a small investor, it's very hard to see paper loss and anxious to jump in when market drops. There are so many institution and robo investors fight in this market. As a small investor, we need be patient, wait until the dust settle down. And always be value oriented. Equity valuation is still to...
by bottlecap
Fri Feb 09, 2018 1:15 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 2981

Re: Black Theme for Site?

My eyes are getting old. I don't think the dark theme displayed is "easy" on them.

JT
by bottlecap
Fri Feb 09, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4104

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

You don't see why you shouldn't try to guess which may the market is going to go in the future? Because you don't know where it's going and the market will never tell you. You are unlikely to get out at a correct point and even more unlikely to get back in at a correct point. If you get out now, and...
by bottlecap
Fri Feb 09, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Active v. passive during corrections
Replies: 21
Views: 1914

Re: Active v. passive during corrections

I know this is a very small sample size (1 day), but ... Yesterday the U.S. indices dropped around 4%. My actively managed pure U.S. large cap stock VG fund dropped around 2%. Does this demonstrate that there can indeed be a real benefit to active management during the darker days of investing? Yes...
by bottlecap
Fri Feb 09, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1617

Re: Multiiple indicator lights on (car)

My wife knows that whenever the check engine light turns on she needs to immediately pull to the side of the road, read the error code and look it up on her phone to make sure the underlying issue isn't about to cause irreparable harm to the engine. It happens about twice a year and typically a loo...
by bottlecap
Fri Feb 09, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Stock Conundrum
Replies: 8
Views: 551

Re: Stock Conundrum

I can't give market timing advice. I gave up on market timing 15 years ago.

Sell it now, sell it in April, or pick some arbitrary date in between and then just do it.

JT
by bottlecap
Fri Feb 09, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1617

Re: Multiiple indicator lights on (car)

My wife knows that whenever the check engine light turns on she needs to immediately pull to the side of the road, read the error code and look it up on her phone to make sure the underlying issue isn't about to cause irreparable harm to the engine. It happens about twice a year and typically a loo...
by bottlecap
Fri Feb 09, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8605

Re: Tenants want to break lease early and is pregnant

You said they were great tenants; that's like gold. Let 'em go early, wish them well, thank them for being good tenants, and offer to give them a good reference. They probably found a bigger place to accommodate a growing family and don't want to lose it. I agree. They are, apparently, leaving only...
by bottlecap
Fri Feb 09, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Feeling good about the market's direction. Wish it would drop more...
Replies: 14
Views: 2253

Re: Feeling good about the market's direction. Wish it would drop more...

Yup. Decisions, decisions. For the market timer. I guess you can read anything into a quote or two. But I wouldn't take much of what Buffet says at face value. He is keenly aware of the things he says and says them for a reason. The two quotes you picked are designed to convey that he has confidence...
by bottlecap
Thu Feb 08, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7317

Re: How to deal with regret

As they say, "Suck it up, Buttercup." I'm only half-joking. I understand your feelings. But if you came to the right asset allocation when you invested and did not invest money you need in the next ten years, both of which should be true, this is the price of investing. Markets do not always go up. ...
by bottlecap
Thu Feb 08, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique...fairly new to the boglehead method!!
Replies: 11
Views: 665

Re: Please critique...fairly new to the boglehead method!!

Welcome! 1. I would have more bonds. My vote is at least 10%. I would not own bond funds or funds that hold bonds in taxable, as they cause taxable distributions at your ordinary income tax rate. I would minimize the number funds and stick with just index funds. Maybe even use target retirement fund...
by bottlecap
Thu Feb 08, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Helping Neighbors Manage Their Own Accounts
Replies: 15
Views: 1392

Re: Helping Neighbors Manage Their Own Accounts

Target Retirement fund. Probably the target retirement income fund.

JT
by bottlecap
Wed Feb 07, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Need help picking Vanguard Index Funds.
Replies: 17
Views: 1978

Re: Need help picking Vanguard Index Funds.

Vanguard only is fine.

Fidelity only is fine.

Fidelity/Vanguard is fine.

Find an allocation you are comfortable with and get it in.

Why 5 funds?

Why no bonds?

Why not a nice target retirement fund of some type?

JT
by bottlecap
Wed Feb 07, 2018 7:06 am
Forum: Investing - Theory, News & General
Topic: Indexing the next bubble?
Replies: 24
Views: 2750

Re: Indexing the next bubble?

This is posted about every week. Not many people here buy it. Mostly because it doesn't make sense.

JT
by bottlecap
Tue Feb 06, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: First year bogleheader Portfolio checkup
Replies: 8
Views: 719

Re: First year bogleheader Portfolio checkup

1. Are you asking about your portfolio or your proposed portfolio? Your portfolio is too complicated to look at. Your proposed portfolio is fine. Any where from 20 to 30 percent international is reasonable. 2. After 401k, IRA and HSA, there is no other way to go but taxable. 3. Okay... 4. Sure. Do a...
by bottlecap
Tue Feb 06, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Market Timing
Replies: 71
Views: 3625

Re: Market Timing

It's interesting to me that random people show up and espouse market-timing strategies on Bogleheads.org, of all places. The arguments are all the same. I've done my homework, my testing shows, etc... No theories. No studies. And no proof, of course. Who cares? Why do they care if people on Boglehea...
by bottlecap
Tue Feb 06, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Market Timing
Replies: 71
Views: 3625

Re: Market Timing

It is generally held that you cannot beat the market by timing it. Based on my studies, this appears to be true. Congrats! Good thing to realize. That being said, Uh oh. it seems to me that market timing (using a double moving average cross-over system) is worthwhile on a risk-adjusted basis. Yawn....