Search found 3950 matches

by bottlecap
Mon Jan 16, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Cookshack electric smokers
Replies: 2
Views: 132

Re: Cookshack electric smokers

I don't have any significant personal experience with electric smokers. A friend has one (not a Cookshack) and loves it. I've helped him cook on it once. Meat tasted good, but electric smokers almost make the meat too moist. I'm more of a fire and smoke guy. The Cookshack gets good reviews from unbi...
by bottlecap
Mon Jan 16, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on a loan to a craft brewer. Cheers!
Replies: 11
Views: 334

Re: Seeking advice on a loan to a craft brewer. Cheers!

The fact that you don't have experience means you shouldn't do this. The internet is not going to be of help to determine if this is a good investment. Only a lawyer and accountant can help you there. Given that they are not getting a bank loan pretty much tells you it is not, however. They've been ...
by bottlecap
Mon Jan 16, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Out of town mechanic botched fix
Replies: 19
Views: 1515

Re: Out of town mechanic botched fix

He gave you a warranty. How is it his fault that you live so far away? Just like other vendors, I'm sure he will help if you take your auto back. I'm not seeing the problem here. OP doesn't want to drive 8 hours to take it back. Or tow it 8 hours. What was the labor on the install? I'd ask the mech...
by bottlecap
Mon Jan 16, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Should people own 2 cars for themselves?
Replies: 21
Views: 2633

Re: Should people own 2 cars for themselves?

It would be rare when it would make financial sense to own two cars. The second car still depreciates, sits there, needs to be insured, and will need repairs. That's a lot of dead weight to carry.

Cars are made to be driven. Don't fret it when you do.

JT
by bottlecap
Mon Jan 16, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Lease vs. Buy - Car
Replies: 1
Views: 283

Re: Lease vs. Buy - Car

Type "lease vs. buy" or something to that effect in the search function and post if you still have questions. This has been discussed ad nauseam.

JT
by bottlecap
Sun Jan 15, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 36
Views: 2510

Re: How High is Your TV?

Above fireplace. Was initially worried about the heigh, but not a problem. It turns out my eyes are moveable!

JT
by bottlecap
Fri Jan 13, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Amazon???
Replies: 22
Views: 2850

Re: Amazon???

I might dump those funds, but not for a single stock. It's gambling. It's based on no actual knowledge, but gut. Even if it was based on knowledge, knowing what to do with that knowledge is something no one has figured out. There are too many variables. If you can risk 3%, great. But why risk it any...
by bottlecap
Wed Jan 11, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting tires from Costco
Replies: 47
Views: 2912

Re: Thinking of getting tires from Costco

Costco is a great place to get your tires. Yes, getting them rotated without an appointment can take longer. We just plan to shop when we go. I don't think you wait much longer than anywhere else. It takes roughly 1 to 2 hours, most times less than an hour and a half. If you really want to, you can ...
by bottlecap
Wed Jan 11, 2017 7:00 am
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 3931

Re: Over what time period should stocks NOT lose money

With the understanding that there are no certainties, I'm going to say 80, perhaps 100, years gets you pretty close.

JT
by bottlecap
Wed Jan 11, 2017 6:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13068

Re: Sad News About a Respected Forum Member

Thank you, Ole Meph, for all of you sage advice and valued contributions. May God bless you and your family.

JT
by bottlecap
Sat Jan 07, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heater vs Electric Tankless
Replies: 26
Views: 1756

Re: Gas Water Heater vs Electric Tankless

We recently went tankless because we had a direct vent tank water heater for which replacement was ridiculously expensive. I don't think we'll save much. Cold water sandwich is overblown. However, it does take noticeably longer to get hot water, depending on how far away the faucet is. I used to bru...
by bottlecap
Sat Jan 07, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 4222

Re: "The 401k Problem We Refuse to Solve"

Schizophrenic article, given that the conclusion is we need to save more after making a lot of comments about pensions and 401(k)s that aren't exactly correct. The absolute best thing about 401(k)s is that they give the individual responsibility and control. This comes with problems because responsi...
by bottlecap
Fri Jan 06, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 5681

Re: I am timing the market. Why am I wrong?

I argued that stocks are overvalued, but since making this decision I have missed out on a lot of gains. I can't help but feel that the day that I cave in and buy will be the market top. Please help. You just answered your own question. No one knows. Even if you think you're smart, you still don't ...
by bottlecap
Thu Jan 05, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Sprucing up an old car?
Replies: 41
Views: 3245

Re: Sprucing up an old car?

Folks, the original post is two years old. The thread was revived by another poster on a question about the radio only.

JT
by bottlecap
Thu Jan 05, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Sprucing up an old car?
Replies: 41
Views: 3245

Re: Sprucing up an old car?

You should have started your own thread! Nonetheless, I just swapped my radio last weekend. It was a great idea. I was able to remove my old satellite radio tuner and my blue tooth fm transmitter for an in-dash radio that does it all. I spent about $260, but did put it in myself. If someone will put...
by bottlecap
Tue Jan 03, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 2628

Re: Large purchase anxiety!

I would have anxiety, too, if I made so many large purchases... Wow.

We had the money growing up, but rarely made large purchases. I've never felt the need to change that strategy.

JT
by bottlecap
Tue Jan 03, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Mechanic crashed car on delivery. Who's responsible to make whole?
Replies: 29
Views: 4033

Re: Mechanic crashed car on delivery. Who's responsible to make whole?

You only get what your vehicle is worth on the market, not what it was worth to you. If your friend has documentation showing it was properly maintained, that might help getting a little more dough, but not much, considering the age of the vehicle. I would think the driver or mechanics insurance wou...
by bottlecap
Wed Dec 28, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Any Backyard Chefs out there? Do you have any specialties?
Replies: 25
Views: 1523

Re: Any Backyard Chefs out there? Do you have any specialties?

I similarly had some down time in between jobs. Here's what I've done, other than burgers and brats, and all on the grill: Ribeyes Strip Steaks Grilled shrimp Battered buffalo shrimp Smoked chicken wings Smoked pork butt Smoked brisket Smoked ribs (usually baby back - not as good as spare, but they ...
by bottlecap
Tue Dec 27, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: Most sustainable vehicle
Replies: 44
Views: 2662

Re: Most sustainable vehicle

Your best approximation of sustainability is likely going to be initial cost and cost of use. Any other measure is too easily gamed by the manufacturer to influence the persuadable consumer. Something dirt cheap that gets good mileage, such as a Fit or a Yaris, will likely have the least impact in t...
by bottlecap
Tue Dec 27, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12572

Re: I'll never save a 20% down payment. Rent for life?

If rent is going to cost you a good bit more than buying a home, then I don't think you're crazy, but realize owning comes with never-ending repair bills, taxes, and insurance. You might also consider moving or possible career moves. I know LE is not necessarily a high growth field, but surely not e...
by bottlecap
Sat Dec 24, 2016 5:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 6985

Re: My Christmas Gift to You.

Thank you, Taylor - I can't even begin to imagine what that was like. Merry Christmas to you and your family.

JT
by bottlecap
Sat Dec 24, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: If you could only choose one [car] to keep...?
Replies: 26
Views: 1952

Re: If you could only choose one [car] to keep...?

I would keep the Equinox based on your description. It sounds like you like it better and it's more versatile.

My only hesitation is that in my experience, Chevy's tend to have a lot go wrong after 125,000 miles. Admittedly my sample size is small, but more than 2... Maybe you'll get lucky.

JT
by bottlecap
Sat Dec 24, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard transfer nightmare....
Replies: 35
Views: 3555

Re: Vanguard transfer nightmare....

When I transferred to Vanguard, I simply did it as a cash out and Vanguard bought the funds I directed them to. No problem. Not sure this is a Vanguard-created nightmare. It seems normal that there would be transaction fees for non-Vanguard funds. If you can transfer back to avoid the fees, then gre...
by bottlecap
Thu Dec 22, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Fender-bender, insurance company, etc. etc.
Replies: 4
Views: 420

Re: Fender-bender, insurance company, etc. etc.

After this is done, dump Liberty Mutual. You should have made a claim against his insurance company. Not only does LM have no incentive to get your deductible back, they have hurt you if you try to sue the other dude for the difference. If you haven't cashed the LM check, send it back. Start the pro...
by bottlecap
Wed Dec 21, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Event Fee at Restaurants?
Replies: 22
Views: 2323

Re: Event Fee at Restaurants?

Seems a little over the top to me. You are buying food, the price of which already has that stuff built in (salaries, set up, take down - all stuff they have to do anyway if they are going to serve food to you). Why not just go to a place where you rent the room? At least then you know what you're p...
by bottlecap
Tue Dec 20, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: "Trump Rally" with any basis or doomed to come down to earth soon?
Replies: 16
Views: 1442

Re: "Trump Rally" with any basis or doomed to come down to earth soon?

Politics aside, this is a market timing question. Why would you post a market timing question in this forum?

Post it on a market timing forum and carefully read the responses you get. You'll find that everyone cares and nobody knows. Here nobody knows and most of us don't care.

JT
by bottlecap
Tue Dec 20, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 6518

Re: Grccery cart rolls into side of car, dent, scratched

OP, you are wasting your time.

JT
by bottlecap
Mon Dec 19, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13393

Re: How old is your vehicle?

LeeInTN wrote:We have a '97 with 249,911 miles on it.
We have a '99 with 349, 894 miles on it.


Okay, now I'm impressed.

JT
by bottlecap
Sun Dec 18, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Omaha Steaks....Who else for mail-order steaks?
Replies: 26
Views: 2574

Re: Omaha Steaks....Who else for mail-order steaks?

I think if you are going to go expensive, you have to stay local. That doesn't help much for gifts.

The links others have provided look good, but at $50/lb, you can do better locally.
by bottlecap
Fri Dec 16, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: Buy a car or repair the old one
Replies: 17
Views: 1545

Re: Buy a car or repair the old one

Have you replaced the water pump on it? My wife's Chevy started slowly consuming coolant and the water pump blew a hole it in earlier this week. I'm betting that was the source of coolant loss in the Chevy.

Losing coolant can be a head gasket, but it can be a whole lot of other things, too.

JT
by bottlecap
Thu Dec 15, 2016 7:15 am
Forum: Investing - Theory, News & General
Topic: One fund for a person in retirement
Replies: 8
Views: 1570

Re: One fund for a person in retirement

CWRadio wrote:Thank you all for your council.
Last question.
Do I sell all 10 funds at once or do some sort of marking timing to buy the one fund?


Definitely come up with a complicated timing scheme. I prefer the inverse square root of the 200-day moving average. But YMMV.

Kidding. :oops: Please.

JT
by bottlecap
Thu Dec 15, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: My index fund is not behaving like an index fund today
Replies: 3
Views: 942

Re: My index fund is not behaving like an index fund today

Know when your dividends are coming. You do not have to watch your index funds everyday!

JT
by bottlecap
Tue Dec 13, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13393

Re: How old is your vehicle?

The wife drives the "new" vehicle in the family at 12 years old.

I drive the 17 year old.

JT
by bottlecap
Mon Dec 12, 2016 7:23 am
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 8764

Re: Explain why Rebalancing isn't Market Timing?

"Could be a bonus" is not where you started nor what I objected to. You said it was THE reason. No, risk control is far and away the primary reason. From my original post: Rebalancing is not a response to where you think the market is going. It simply helps you control risk by bringing yo...
by bottlecap
Mon Dec 12, 2016 12:18 am
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 8764

Re: Explain why Rebalancing isn't Market Timing?

Oicuryy wrote:
Wikipedia wrote:Market timing is the strategy of making buy or sell decisions of financial assets (often stocks) by attempting to predict future market price movements.


Rebalancing isn't about predicting future price movements.
by bottlecap
Sun Dec 11, 2016 9:20 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 8764

Re: Explain why Rebalancing isn't Market Timing?

You said, "The reason it's popular is because the asset markets usually revert to their mean. " That is not correct, IMHO, and very much muddies the water regarding the confusion about market timing. The reason rebalancing is popular is because it helps to keep risk to the level the parti...
by bottlecap
Sun Dec 11, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: Market timing
Replies: 24
Views: 1725

Re: Market timing

No one knows the future, so there is that. There's a whole bunch of people guessing and betting, but no one knows. If someone happens to be right, and for all the right reasons, they still didn't know what the future held. It just so happens that a convergence of events, some they thought might happ...
by bottlecap
Sun Dec 11, 2016 3:37 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 8764

Re: Explain why Rebalancing isn't Market Timing?

[quote="Rodc"] One should rebalance ror risk, period. If one is lucky there may be other benefits but it so that will only be icing on the cake. Often in fact rebalancing reduces returns - no surprise, controlling risk often does that. /quote] Well, I didn't use the technical term "ic...
by bottlecap
Sun Dec 11, 2016 2:34 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 241
Views: 8764

Re: Explain why Rebalancing isn't Market Timing?

Why do people try to make the most simple things complicated and then others oblige them? Rebalancing is is done in response to changes in your allocation that are the result of recent market returns. Rebalancing is not a response to where you think the market is going. It simply helps you control r...
by bottlecap
Sun Dec 11, 2016 1:35 pm
Forum: Investing - Theory, News & General
Topic: How to start a hedge fund
Replies: 23
Views: 1967

Re: How to start a hedge fund

Ah, it's like we're returning to the heady days of the late 1990's again...

Smart investors should be very afraid. It's too bad, I was enjoying the market returns of late.

JT
by bottlecap
Sun Dec 11, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 3808

Re: Netflix Question

So Netflix was okay with this? It would seem to me to be theft. If not, I might split an account with a friend or sibling.

JT
by bottlecap
Thu Dec 08, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15104

Re: Retiring in a Decade after Graduation

You've gotten skeptical responses because your parameters are ill-defined (we don't know how much you plan on saving or how much you anticipate needing after you quit) and, given this, the goal seems extremely naive. Even with defined parameters, you're goal is probably dependent on unrealistic assu...
by bottlecap
Thu Dec 08, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: article of interest regarding Vanguard as a monopoly
Replies: 27
Views: 2638

Re: article of interest regarding Vanguard as a monopoly

Nothing described in the article is a monopoly. None of the industries discussed have insurmountable barriers to entry by competitors. Except, ironically, the highly- regulated fund industry... But reality aside, let's humor the professors for a moment: The proposed "more regulation" solut...
by bottlecap
Wed Dec 07, 2016 2:46 am
Forum: Personal Consumer Issues
Topic: Would appreciate a book recommendation.
Replies: 24
Views: 1766

Re: Would appreciate a book recommendation.

There is nothing unbiased. Who writes a book about such things that doesn't think their opinion or worldview carries value over someone else's? It's a misnomer. If he is a critical thinker, he should be able to discern the writer's bias and evaluate the opinions despite it. Maybe get him two books w...
by bottlecap
Tue Dec 06, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Affordable Care Act question - would greatly appreciate assistance
Replies: 27
Views: 2126

Re: Affordable Care Act question - would greatly appreciate assistance

Why is she calling the Hotline ? Why is she not logging in to the marketplace.gov website and finding out her own numbers by completing the online application ? There are also calculators: https://cotaxaide.org/tools/ACA%20Affordability%20Calculator.html Either she has income you don't know about o...
by bottlecap
Mon Dec 05, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1701

Re: Merkur Safety Razor = money saved

stemikger wrote:Not only is it a better shave, I no longer get skin irritation and like you stated it is a huge money saver.


Amen. While it is cheaper, no irritation is the best part of the DE safety razor's shave.

JT
by bottlecap
Sun Dec 04, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 4467

Re: Not happy with my realtor

I'm looking in a particular and relatively small neighborhood. Would it be unreasonable or inappropriate for me to ask him to contact the homeowners there to see if any might be interested in selling? I'd say that you have unreasonable demands. You have a very small market segment. My guess is that...

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