Search found 3648 matches

by bottlecap
Sun May 01, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 47
Views: 2978

Re: Buying a New Car...Is it Unwise?

Buying a new car to replace a perfectly good one that needs a cd player and tires is financially unwise. But many of us do it because we want to. Some of the smarter ones do it when they can afford to make a decision based on desire and not. I you want a new car or need one because of the baby, do i...
by bottlecap
Sat Apr 30, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 81
Views: 3349

Re: So, are Bogleheads Bourbon or Scotch drinkers?

I like both, but tend to prefer Bourbon of late. I like a good Rye as well. Elijah Craig is a good relatively inexpensive recommendation for bourbon. I also like Noah's Mill, for a bit more. There are really too many good ones to mention. I'm usually putting a small bit of ice in to chill and open i...
by bottlecap
Sun Apr 24, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with the "waiting game"
Replies: 26
Views: 3339

Re: Dealing with the "waiting game"

Money shouldn't be your purpose in life. It's just a part of being responsible to plan for being financially independent when you may be unable to work. If you get your financial plan set and are depressed because you can't press the fast forward button so that you're instantly old but have no need ...
by bottlecap
Tue Apr 19, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 6950

Re: Law School Advice

Never mind. I missed the whole deception about who you are and the fact that you have not zero, but 2 clerkships.
by bottlecap
Sun Apr 17, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8410

Re: Better than amazon??

looked at Jet once. Not great prices. Amazon prices are not so great anymore, but Jet is not better.
by bottlecap
Sat Apr 16, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 193
Views: 8790

Re: Soapbox (car safety features)

We drive old cars, so we have none of this stuff. Some how we've been able to be careful enough and lucky enough to avoid accidents. I'm generally against fascism and dictatorships of all types, so I definitely disagree with those who are excited about mandatory "safety" features of limite...
by bottlecap
Tue Apr 12, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - Can I afford this home?
Replies: 38
Views: 3365

Re: First time home buyer - Can I afford this home?

You don't currently make enough to buy this house. Why don't you see what she earns upon graduation? It's never a good idea to stretch and rush into something. There are other alternatives.

Don't be house poor. I've been based on circumstances beyond my control. It stinks.

JT
by bottlecap
Mon Apr 11, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Looking to buy a decent Windows laptop ...
Replies: 17
Views: 1708

Re: Looking to buy a decent Windows laptop ...

I had the same problem with my Lenovo, which I was otherwise happy with. No more Lenovo for me.

I got an ASUS a few months ago. I like it. Seems like it will hold up, but I guess you never know.

JT
by bottlecap
Fri Apr 08, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6222

Re: led vs cfl

arsenalfan wrote:I went to Costco and ordered a bunch of trial LED bulbs.


I recently got some at Costco. They seem to work well and I hope they last.

JT
by bottlecap
Wed Apr 06, 2016 6:27 am
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6222

Re: led vs cfl

Also that CFLs were 10,000-12,000 hours? However that varies a lot: frequent on/off sharply reduces that? This is the part that was the lame excuse. It's like the government requiring they have 10,000 hour lifespan on Mars. I don't live on Mars, so it's meaningless. I turn off my lights when not ne...
by bottlecap
Wed Apr 06, 2016 6:07 am
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6222

Re: led vs cfl

CFLs overall cost-effectiveness was premised on them replacing 22 incandescents and I've never seen one that would replace 4. You're making things up. Well then so are organizations that defend CFLs. That's one of the figures they use. It looks like your're just considering cost of operation, which...
by bottlecap
Tue Apr 05, 2016 10:17 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6222

Re: led vs cfl

CFLs were a huge waste of money on a global scale based on a lie. I'm glad the LEDs are here, but the CFLs were unnecessary. Even if you assume that the reason that the CFLs burnt out prematurely was the "low-cycle" application excuse (it's not - many of mine burnt out within 6 months. Th...
by bottlecap
Tue Apr 05, 2016 8:12 am
Forum: Personal Consumer Issues
Topic: Appliance Repairs: Is it worth it?
Replies: 44
Views: 4185

Re: Appliance Repairs: Is it worth it?

I've never paid to have anything fixed other than a vehicle. Either I figure out how to fix it myself via Google or we get a new one.

I might pay up to 25% of the value of an appliance to fix it, but that situation has never arisen.

JT
by bottlecap
Mon Apr 04, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6222

Re: led vs cfl

The fine print on early CFLs said they were best for 'low-cycle' applications - i.e. where the lights are not turned on and off often. Everyone (including me) has probably been using them in non-recommended applications. CFLs were a huge waste of money on a global scale based on a lie. I'm glad the...
by bottlecap
Tue Mar 29, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Cheaper to trade-in for new truck !?! Is there a free lunch here?
Replies: 23
Views: 2033

Re: Cheaper to trade-in for new truck !?! Is there a free lunch here?

Is this really a dilemma? Your friend is paying to lower his interest rate. You can do that anytime you want to refinance and pay the bank money. It's not a free lunch. Basically, the dealer is low-balling your friend on the trade in or high-balling him on the 2016 price. The dealer i s making money...
by bottlecap
Sun Mar 27, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Error in the Investment Planning discussion
Replies: 8
Views: 851

Re: Error in the Investment Planning discussion

Your concern really only scratches they surface, really. What is a "U.S. company"? How much do these "U.S. companies" contribute to foreign GDP? Why would GDP be an accurate measure of a country's stock market. Luckily, no beginning investor is going to get tripped up by any of t...
by bottlecap
Thu Mar 24, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3016

Re: How to get rid of poison ivy

Hire it out. Let someone else get rid of it.

I used to be very allergic to it. I would not do the job myself if I still were.

JT
by bottlecap
Thu Mar 17, 2016 6:35 am
Forum: Personal Finance (Not Investing)
Topic: So, about health insurance...
Replies: 18
Views: 2018

Re: So, about health insurance...

You don't need dental or vision, so no issue there.

JT
by bottlecap
Sat Mar 12, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Landlord wont return deposit
Replies: 76
Views: 5823

Re: Landlord wont return deposit

Unless local law precludes the lease term, you owe it.

JT
by bottlecap
Fri Mar 11, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Leather furniture?
Replies: 20
Views: 2479

Re: Leather furniture?

We have no problems at all with the leather - no wearing, discoloration or problems of any sort. But we don't have cats, either.

JT
by bottlecap
Tue Mar 08, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 7921

Re: Life Insurance for person with false "Alcoholic" diagnosis

You had me at alcohol... Unfortunately, your friend did screw up - by going to the doctor and telling the truth. Undoubtedly he was concerned because he's not familiar with the hangover. So the newbie gets screwed and the regular drinker gets a pass. Fair? I dunno. I'm not sure how to fix it. Going ...
by bottlecap
Tue Mar 08, 2016 11:21 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 154
Views: 19396

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

Apparently, Kitces isn't the only one who enjoys dancing on the head of a pin. But at least he gets paid for it! If Kitces continues to scream from the mountain tops that this technique, which is likely used by only a tiny fraction of taxpayers who would even be eligible to do it, is a travesty of j...
by bottlecap
Mon Mar 07, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Meineke ok for oil changes?
Replies: 36
Views: 3032

Re: Meineke ok for oil changes?

I'd steer clear. Too many bad stories about Jiffy Lube type places. I'm not sold on spending an hour doing it myself, but I suppose it's a pain to bring your car in, too.

JT
by bottlecap
Mon Mar 07, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Carpet installers who we believe stole my husband's billfold
Replies: 9
Views: 1314

Re: Carpet installers who we believe stole my husband's billfold

Was their any money in the billfold? Not much the furniture store can do about the social security card - a year of free credit monitoring? The installers were probably subcontractors, so they likely can't fire an individual even if you could prove which person did it. Anyway, I'm sorry for the trou...
by bottlecap
Thu Mar 03, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4223

Re: Mac laptop vs. Windows 7 (or 10) laptop

Macs aren't any more reliable, unfortunately. They aren't really any more user friendly, either.

We have both, but I continue to buy PC laptops. There is little difference for the average person and the PC is 1/4 the price.

JT
by bottlecap
Mon Feb 29, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Watching Oscars with kids
Replies: 34
Views: 2819

Re: Watching Oscars with kids

I hope that by the time that they're that old, my daughters will either have learned that 1) the Oscars and everything associated with it is worthless or 2) that their parents would never in a million years allow the Oscars to be on the family TV. If nothing else was available, we'd rather save the ...
by bottlecap
Sun Feb 28, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: What to know when buying furniture?
Replies: 28
Views: 2331

Re: What to know when buying furniture?

Costco delivers. And if you don't like it, they will take it back. Might be worth a trip depending on where the nearest Costco is. If it' too far, you could also get a membership and order it online. JT Good to know. I looked up their store locator and one is located about 37 miles from me. That wo...
by bottlecap
Sun Feb 28, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: What to know when buying furniture?
Replies: 28
Views: 2331

Re: What to know when buying furniture?

Costco delivers. And if you don't like it, they will take it back. Might be worth a trip depending on where the nearest Costco is. If it' too far, you could also get a membership and order it online.

JT
by bottlecap
Sun Feb 28, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Quit my job, help me verify this plan of action
Replies: 11
Views: 1662

Re: Quit my job, help me verify this plan of action

If you do this, create a rollover IRA and do not contribute another dime to it - create a separate non-rollover IRA for new contributions. The reason you do this is to maintain the protections of the 401k for your rollover IRA. If you don't have much in the 401k, it may not be a big deal. But if you...
by bottlecap
Sun Feb 28, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Another frugality question
Replies: 35
Views: 4022

Re: Another frugality question

I've never spent more than $40 for a pair if sneakers. At that price point, the color is free.

JT
by bottlecap
Sat Feb 27, 2016 6:17 pm
Forum: Investing - Theory, News & General
Topic: Best reason why the market will always go up?
Replies: 66
Views: 6747

Re: Best reason why the market will always go up?

Should trend up as long as there is economic growth.

JT
by bottlecap
Sat Feb 27, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Time To Quit My Job?
Replies: 53
Views: 4705

Re: Time To Quit My Job?

Is this a joke? If you make $553,000 a year working 30 minutes a day, you can do whatever you want. Keep your day job if you're bored, quit if you're not. Health insurance costs are a concern for those making $100,000 per year, not $500,000. People making $500,000 per year don't really need 401ks, e...
by bottlecap
Sat Feb 27, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 9883

Re: Finding out about a kid 17 years after the fact

I'd do all I could to help the kid obtain loans. I'm not going to be able to pay for my own kid's education, no less a kid the was kept hidden from me until 5 years from retirement. I'd rather assist on the paying back part if my finances and, circumstances, made that acceptable. I would also immedi...
by bottlecap
Wed Feb 24, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Power washer recommendation
Replies: 16
Views: 1191

Re: Power washer recommendation

I have a Briggs & Stratton. 2900 PSI. It worked great, until I lent it to a friend. Won't be doing that again. It still works, but runs crappy. I have to take it apart to start it between uses. Get something with at least 3000 PSI. They say not to use the highest setting on your car, but that's ...
by bottlecap
Wed Feb 24, 2016 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting college
Replies: 141
Views: 8683

Re: Quitting college

Realize that your ceiling in government is limited without a degree. That may be okay for you, but if you ultimately decide want to advance, you will at some point find yourself continually passed over for jobs you are capable of doing by people with who have degrees that are incapable of doing the ...
by bottlecap
Wed Feb 24, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth and the Step Transaction Doctrine
Replies: 5
Views: 491

Re: Backdoor Roth and the Step Transaction Doctrine

Kitces has to write about something. You're better off spending your time worrying about natural disasters, attacks, or financial meltdowns. Far more likely and far greater financial impact.

JT
by bottlecap
Wed Feb 24, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: My friend "proves" active management works
Replies: 51
Views: 5131

Re: My friend "proves" active management works

Even if the funds track the index and are beating the index, you have to realize that those funds are a few of hundreds that FT likely had over the past 30 years. The poor performing ones are merged with others or closed to new investors (so there is a survivorship bias). Those that remain are sold ...
by bottlecap
Wed Feb 24, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car?
Replies: 32
Views: 4096

Re: Should I buy a new car?

No, you probably shouldn't buy a new car if those are your only reasons (not to mention your job situation). Get the check engine light checked out to help find out. It could be as simple as a bad thermostat. Ultimately, the decision to buy a new car rests with you. We don't, and cannot, have enough...
by bottlecap
Tue Feb 23, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12032

Re: Mr Money Mustache Article (New Yorker)

I think what he does is interesting and good for him, but if everyone was as anti-consumer and anti 8-6 as he is, we would be living in the dark ages. He's basically able to live this way because he's living off the fat of the land. If others followed his lead, there wouldn't be enough housing, foo...
by bottlecap
Mon Feb 22, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12032

Re: Mr Money Mustache Article (New Yorker)

My only problem with him is that he claims to be living and loving a $24k (or whatever) lifestyle, but he's not. ... I think he's done very well for himself. Good for him. Wish he was bit more honest though. I think this is why he causes so much of a stir whenever he is mentioned. He's 1) making up...
by bottlecap
Mon Feb 22, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: Bad customer experience or am I being unrealistic?
Replies: 30
Views: 4147

Re: Bad customer experience or am I being unrealistic?

I'd be shocked if it costs you more than $25 to return it.

JT
by bottlecap
Mon Feb 22, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: AWD or FWD? and van repair question.
Replies: 23
Views: 1631

Re: AWD or FWD? and van repair question.

Brakes are not a reason to get a new vehicle. In 40 or 50k miles, you'll have the same problem with the new vehicle. At 150,000, things like seals start to leak. If it's just a matter of adding a little oil every couple of thousand miles, most people don't replace the seals or the vehicle unless nec...
by bottlecap
Fri Feb 19, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Discover Bank Not Paying Promised Bonus
Replies: 49
Views: 5475

Re: Discover Bank Not Paying Promised Bonus

I would have waited more than 36 days to wait for the payment before escalating. Your expectations are a little high.
by bottlecap
Mon Feb 15, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Carry Permit Issue When Traveling.
Replies: 19
Views: 2268

Re: Carry Permit Issue When Traveling.

Call the company providing your transportation for the procedure. Call Florida for the process once you get there. If Florida is reciprocal with your state, I doubt you have to notify them.

JT
by bottlecap
Fri Feb 12, 2016 7:18 am
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 60
Views: 4015

Re: Impact of Obamacare on investment decisions

It has halted my investment. All our extra money now goes to our healthcare premium.

JT
by bottlecap
Thu Feb 11, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 55
Views: 3551

Re: Rental car for weekend trip to save on miles on new car?

Taxes and fees usually add at least 20%, but the whole thing seems a huge hassle to save from putting 250 miles on your vehicle. It does not look like they will pick you up - it's pick up and drop off special. Actually I guess it says that service is subject to geographical location. Not sure wheth...
by bottlecap
Thu Feb 11, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Rental car for weekend trip to save on miles on new car?
Replies: 55
Views: 3551

Re: Rental car for weekend trip to save on miles on new car?

Taxes and fees usually add at least 20%, but the whole thing seems a huge hassle to save from putting 250 miles on your vehicle. It does not look like they will pick you up - it's pick up and drop off special. Actually I guess it says that service is subject to geographical location. Not sure whethe...
by bottlecap
Thu Feb 11, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16741

Re: Banned from Home Depot Returns

I guess they give you the receipt for a reason. Keep it next time. Some of that stuff may be deductible when you sell, too. You misunderstand. Hello, I've been doing a lot of work around my house, and sometimes I will buy an extra few pieces/parts and make the returns to Home Depot. In the past, I'...
by bottlecap
Tue Feb 09, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16741

Re: Banned from Home Depot Returns

I guess they give you the receipt for a reason. Keep it next time. Some of that stuff may be deductible when you sell, too.
by bottlecap
Sat Feb 06, 2016 7:01 am
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 99
Views: 15255

Re: Active or Not, I Love Wellington

Never fall in love with investments or money.

JT

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