Search found 3899 matches

by bottlecap
Fri Dec 02, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Rock hit car windshield, where to repair?
Replies: 23
Views: 1589

Re: Rock hit car windshield, where to repair?

No, I didn't get the trucking firm. These trucks blaze by at 80mph. I found someone that wants to look at it, thinks he can repair it. I'd rather do that. If I replace the windshield, the very next day, another rock will fly up and crack it. By repairing it, I avoid that because Murphy's law happen...
by bottlecap
Thu Dec 01, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: Rock hit car windshield, where to repair?
Replies: 23
Views: 1589

Re: Rock hit car windshield, where to repair?

Maybe $200 for a replacement (which you need).

Windshields are an important safety item, as well.

Who to use? Check out: http://www.safewindshields.org/

Good luck,

JT
by bottlecap
Wed Nov 30, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 5990

Re: Should I buy a new car for safety's sake?

It is interesting that these threads tend to split into opinions that concern themselves with the actual factors that affect safety and opinions that it is all about how good a driver I am and how everyone else on the road is an idiot. It's a little more nuanced than that. The biggest recent advanc...
by bottlecap
Wed Nov 30, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 5990

Re: Should I buy a new car for safety's sake?

Assuming you don't drive aggressively and that you are not a terrible driver, anti-lock brakes, airbags, and decent crash ratings on a 2007 will serve you fine. You also don't seem to drive that much. If you are aggressive, careless, or simply uncomfortable driving during inclimate conditions, ESC m...
by bottlecap
Mon Nov 28, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Artificial Christmas tree
Replies: 27
Views: 1907

Re: Artificial Christmas tree

Costco' artificial tree is hard to beat. We got ours used for cheap. I've always been a real tree person, but the Costco tree is close.

JT
by bottlecap
Sun Nov 27, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance question from small bus. owner
Replies: 7
Views: 565

Re: Health insurance question from small bus. owner

I've looked and I am in a similar (but worse) spot. Your options are 1) pay it, 2) go without, 3) go with health ministry, or 4) go work for someone else. Options 2 and 3 expose you to financial risk, but probably far less than you would think. Option 4 might save you $150 a month. You don't qualify...
by bottlecap
Sun Nov 27, 2016 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6595

Re: Why does the car dealer say leasing is cheaper than buying?

It's not even a debate. Leasing loses. It has to. It creates more transactional costs for the dealer (they have to fix it up sell it again as an "old" car) and someone has to pay for those costs. The lessee is getting the "best" years out of the vehicle from a buyer's standpoint....
by bottlecap
Fri Nov 18, 2016 11:47 pm
Forum: Personal Consumer Issues
Topic: Corvette to Hybrid
Replies: 55
Views: 4691

Re: Corvette to Hybrid

You drive a vette. She drives an eclipse.


It's probably her turn. Have fun with the eclipse!

JT
by bottlecap
Fri Nov 18, 2016 7:14 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 7859

Re: Honda Cars

Research the particular model to reduce the likelihood of issues, but yes, Honda makes a reliable product in general.

JT
by bottlecap
Thu Nov 17, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn on an HSA plan
Replies: 9
Views: 703

Re: Newborn on an HSA plan

Hsa.

Kids aren't that expensive, other than having them. And your wife's employer essentially covers that, too.

You are one of the lucky ones.

JT
by bottlecap
Wed Nov 16, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5897

Re: Early retire considering Self-Insurance for healthcare

Be sure to ask the asset protection attorney for the names of doc's & hospitals willing to keep treating you after you refuse to pay them & they're not receiving insurance or government reimbursement. :happy As a retired businessperson & lawyer, I'm in favor of asset protection, but it'...
by bottlecap
Wed Nov 16, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5897

Re: Early retire considering Self-Insurance for healthcare

Here's what I'd do: Go to an attorney that specializes in asset protection. Tell him or her what you are thinking and ask if there is a way to minimize your exposure in the event of something catastrophic. I bet there are a bunch of things you could do. This way you can determine your risk vs the re...
by bottlecap
Wed Nov 16, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5897

Re: Early retire considering Self-Insurance for healthcare

OP, 1) The answer is no. Do not be "Penny wise, pound foolish". You have 7 million. 23K per year is nothing as compared to you or anyone in your family hit a major medical condition that costs million. 2) You need the insurance company to negotiate the price of medical service for you. Wi...
by bottlecap
Tue Nov 15, 2016 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio return: very low. Any suggestions
Replies: 36
Views: 3760

Re: Portfolio return: very low. Any suggestions

10% returns aren't realistic. You might start reading different books? That might temper your expectations.

JT
by bottlecap
Tue Nov 15, 2016 7:16 am
Forum: Investing - Help with Personal Investments
Topic: I'm up 4.95 percent YTD, is that any good??
Replies: 32
Views: 3328

Re: I'm up 4.95 percent YTD, is that any good??

I have no idea. I stopped looking at my YTD returns years ago.

JT
by bottlecap
Sun Nov 13, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: paying medical premium with credit card
Replies: 16
Views: 1271

Re: paying medical premium with credit card

All the insurance companies are doing this. Credit card payments cost them money. The squeeze is on.
by bottlecap
Fri Nov 11, 2016 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Does a car downgrade make sense for me?
Replies: 19
Views: 1855

Re: Does a car downgrade make sense for me?

Not worth replacing for the gas savings on a short commute, but if the other things bother you a whole lot, then it's worth it to you.

JT
by bottlecap
Wed Nov 09, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Just remember...stay the course.
Replies: 45
Views: 5806

Re: Just remember...stay the course.

Even if that was the motivation for the post (and not the political repercussions such as the effect on health care like you actually referenced), the post wasn't necessary because Bogleheads weren't doing the trading or freaking out at 2 am. If you felt it really was, a simple "I noticed that ...
by bottlecap
Wed Nov 09, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Just remember...stay the course.
Replies: 45
Views: 5806

Re: Just remember...stay the course.

I just like to point out that this is, in fact, a political thread, just like the other "stay the course" thread is to a lesser degree. "Don't panic", etc... is a comment in and of itself. If the election results were different, would the same comments be made? Most of the repons...
by bottlecap
Tue Nov 08, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bought my first individual stock!
Replies: 29
Views: 2908

Re: Bought my first individual stock!

Ha ha. Good luck.
by bottlecap
Tue Nov 08, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: keeping a Private Loan private
Replies: 29
Views: 2163

Re: keeping a Private Loan private

I would like to think that two individuals can enter into a private transaction in this country and for the transaction to remain exactly that, but perhaps that's wishful thinking. You can. But if you want a loan from a bank as well, they are entitled to inquire as to you outstanding debts. You are...
by bottlecap
Tue Nov 08, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Tipping Fedex/UPS guy?
Replies: 53
Views: 10503

Re: Tipping Fedex/UPS guy?

No one in this country is involuntarily underpaid and no one is a servant. I reserve tipping for situations where it's a) accepted practice and b) where I receive personal service. Now, if I had a butcher that got me all the great cuts, I'd probably do something for them at Christmas, though... JT
by bottlecap
Tue Nov 08, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: Why don't we have another Vanguard?
Replies: 17
Views: 2468

Re: Why don't we have another Vanguard?

The same reason there aren't 100 Vanguards. The best you can do is match them on price. It that's the case, how do you attract their customers away?

JT
by bottlecap
Tue Nov 08, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: which pickup truck
Replies: 58
Views: 5531

Re: which pickup truck

I'd say Toyota. Then Ford. If you get rid of them at 100,000 miles, Chevy or GMC will be fine. There's a lot to like there, but a lot of little stuff craps out on them after reading about 100k. Then goes the transmission. JT When's the last time you owned a high mileage Chevy? :oops: My 2005 Silver...
by bottlecap
Tue Nov 08, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Tipping Fedex/UPS guy?
Replies: 53
Views: 10503

Re: Tipping Fedex/UPS guy?

No. I don't tip the girl at the meat counter or the dude at checkout in the grocery store either.

JT
by bottlecap
Mon Nov 07, 2016 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 5619

Re: Sister scammed online, several $K - not sure what to advise

This is fraud, so the police should be interested. I would contact them if your sister wants something done about it.

JT
by bottlecap
Sun Nov 06, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: which pickup truck
Replies: 58
Views: 5531

Re: which pickup truck

I'd say Toyota. Then Ford.

If you get rid of them at 100,000 miles, Chevy or GMC will be fine. There's a lot to like there, but a lot of little stuff craps out on them after reading about 100k. Then goes the transmission.

JT
by bottlecap
Sat Nov 05, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: I have become a Boglehead !
Replies: 4
Views: 642

Re: I have become a Boglehead !

Congratulations!

Life is a lot easier this way...

JT
by bottlecap
Fri Nov 04, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Car Repair Estimate Uses Used Parts
Replies: 19
Views: 1506

Re: Car Repair Estimate Uses Used Parts

I had a 10 year old car damaged in Tennessee. They estimated the damage with new parts and totaled it. I bought it back from them for $500, fixed with used parts and pocketed $400 on the deal. Does that not result in the car having a "salvaged" title? That's a significant loss of value. D...
by bottlecap
Fri Nov 04, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 5379

Re: Why do people use banks?

The question is why don't customers read contracts! Banks are more convenient and user friendly. Credit Unions can offer you some better deals here and there because they are exempted from some of the regulations banks are subject to . But, they are "non profit", so they tend not to cater...
by bottlecap
Fri Nov 04, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 5379

Re: Why do people use banks?

The question is why don't customers read contracts! Banks are more convenient and user friendly. Credit Unions can offer you some better deals here and there because they are exempted from some of the regulations banks are subject to. But, they are "non profit", so they tend not to cater t...
by bottlecap
Fri Nov 04, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: Individual stocks that are sound w/ indexing
Replies: 84
Views: 5237

Re: Individual stocks that are sound w/ indexing

Facts aren't "fun," I guess. You are free to invest in great minds and great companies. Come to think of it, why wouldn't everyone just do that if it so obvious? The reason is, of course, the strategy doesn't beat the index. Think about it, by the time everyone figures out they are "g...
by bottlecap
Fri Nov 04, 2016 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Car Repair Estimate Uses Used Parts
Replies: 19
Views: 1506

Re: Car Repair Estimate Uses Used Parts

Take it to the dealer for the estimate. It might vary by state law, but most places, you are entitled to OEM parts. I can't imagine California would do it differently. JT My understanding was that an insurance is never required to pay for new parts, unless possibly a vehicle is actually new (as in ...
by bottlecap
Thu Nov 03, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Two plumbing questions/issues
Replies: 23
Views: 2462

Re: Two plumbing questions/issues

Replace immediately. I assumed our builder-installed water heater had a 10 year warranty. It did not. We just spent a week without hot water and I'm still pretty sure I could have saved $1,000 if I had more time to shop around.

Good luck,

JT
by bottlecap
Thu Nov 03, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 5238

Re: Frustrated with Health Insurance Premiums for 2017

Search online for health insurance alternatives. There are plans that aren't technically insurance, but that act similarly and allow you to avoid the penalty/tax.

My family is just dumping it and paying the penalty. I'm living like my parents, grandparents and all of my ancestors did!

JT
by bottlecap
Thu Nov 03, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Car Repair Estimate Uses Used Parts
Replies: 19
Views: 1506

Re: Car Repair Estimate Uses Used Parts

Take it to the dealer for the estimate. It might vary by state law, but most places, you are entitled to OEM parts. I can't imagine California would do it differently.

JT
by bottlecap
Thu Nov 03, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bad deal [Rent vs. buy for co-op]
Replies: 38
Views: 2503

Re: Bad deal

erik265 wrote:What? did u read my post i was paying $3000 a month to live in city


Run-on sentences + missing words + infrequent punctuation + huge paragraphs makes a hard read. I couldn't make sense of it either.

JT
by bottlecap
Wed Nov 02, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 6231

Re: Healthcare costs and self funding

We are self insuring as of this month. Our premiums were slightly lower than yours, but our deductible was about 75% higher.

If I have $1 million in health care expenses, so be it. Put me on a long term payment plan.

JT
by bottlecap
Tue Nov 01, 2016 6:22 am
Forum: Investing - Theory, News & General
Topic: Why can't stocks be deterministically/objectively/mechanically priced?
Replies: 75
Views: 3745

Re: Why can't stocks be deterministically/objectively/mechanically priced?

You've learned from those above that it's because the price of a stock is based on it future prospects, which are uncertain. Hard accounting is about past performance. Future performance is about management's ability to adjust to customer's needs. That is uncertain. It doesn't even have anything to ...
by bottlecap
Mon Oct 31, 2016 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Would it be worth going into college if I'm not sure of what I want to do?
Replies: 47
Views: 3529

Re: Would it be worth going into college if I'm not sure of what I want to do?

College is not an absolute must and whether it is right for you is unknowable by any of us. However, it does expose you to a lot of subjects, force you to budget your time, and, unless you just mail it in, make you grow up at least a little. Almost know one knows exactly what they want to do going i...
by bottlecap
Thu Oct 27, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 9969

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

bottlecap: I understand being skeptical, and we'll probably never know for sure how genuine he is, unless he does something clearly out of line with what he says and it gets exposed. I still think the underlying message of LBYM is good for everyone, and the more "extreme" stuff could work...
by bottlecap
Thu Oct 27, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3360

Re: How do you make your Martini?

Somewhere around a 5:1 ratio of Gin:Vermouth. Botanist gin and fresh Noilly Prat. Stirred until cold, double strained into a chilled glass, lemon twist. Attention to detail makes a difference for me. A stirred and double strained martini is artic cold, crystal clear. Now that sounds good. I like th...
by bottlecap
Thu Oct 27, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 9969

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

And maybe I'm being gullible, but he seems like a pretty genuine guy. And here is where I think the difference is. I have little major demonstrable problems with MMM, it's just a lot of little things that add up to overall skepticism. This all adds up to a strong feeling (for me - and apparently ot...
by bottlecap
Thu Oct 27, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 9969

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

For full disclosure, I've always been skeptical of the mustache guy. With this latest bit, all I can say is that should I ever give $100,000 away, and I probably won't, my wife will be the only one to know. Maybe my kids. I sure won't make the amount the focus of the headline in my post about "...
by bottlecap
Thu Oct 27, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: Dont invest in 401K
Replies: 42
Views: 4404

Re: Dont invest in 401K

There article proves that you can be ignorant and successful at the same time. Saving, in a 401k or anything else, requires discipline. If you don't have that discipline, then you must rely on hitting it big in business. For every success story, though, there are 5 failures. Nothing precludes anyone...
by bottlecap
Thu Oct 27, 2016 6:59 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 10975

Re: 2017 ACA plan previews

There are some benefits that the costs are not shared for, they are just excluded from being covered altogether. For example, they may not cover birth control or mental health treatment. However, for the items they do "cover" they are not obligated to pay the claims and you could be stuck...
by bottlecap
Wed Oct 26, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 10975

Re: 2017 ACA plan previews

Hey, if anyone religious is looking for cheaper coverage, I'd recommend a health care sharing ministry. My wife has been on chministries.org's gold plan ($150/mo) and liked it. You're a self-pay patient (uninsured) in the eyes of the health care provider, but you're exempt from ACA penalties and ju...
by bottlecap
Wed Oct 26, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 10975

Re: 2017 ACA plan previews

Hey, if anyone religious is looking for cheaper coverage, I'd recommend a health care sharing ministry. My wife has been on chministries.org's gold plan ($150/mo) and liked it. You're a self-pay patient (uninsured) in the eyes of the health care provider, but you're exempt from ACA penalties and ju...
by bottlecap
Wed Oct 26, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 10975

Re: 2017 ACA plan previews

For those seeing ridiculous premium costs on top of high deductibles and subpar coverage, wouldn't it make more sense to pay the tax penalty, and self insure with the savings? I know it's not ideal, but that's what I would be considering at that point. That's what we're doing in six days. My only c...

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