Search found 4905 matches

by bottlecap
Wed Dec 13, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 163
Views: 9111

Re: Do people still use AAA?

Using roadside service with insurance is far more difficult than AAA. I had to use it once. It took hours and, in the end, I had to find a tow. The the insurance rep suggested that if I submitted a claim, it might cause my insurance premiums to go up. I don’t know if there’s any truth to that, but a...
by bottlecap
Tue Dec 12, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: New job - possible to keep my 2017 bonus?
Replies: 4
Views: 550

Re: New job - possible to keep my 2017 bonus?

Old employer isn’t going to pay it.

If you have not accepted new offer, your could raise the issue with new employer. Depending on how badly they want you, they may match it.

JT
by bottlecap
Tue Dec 12, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2152

Re: Does any indicator not predict a 2000/2007'ish crash?

1. Someday, you will be right.

2. You will not be able to guess when you will be right, even with a “bunch” of research.

JT
by bottlecap
Tue Dec 12, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 28
Views: 1225

Re: Concert Decision and Advice

I can’t tell you how to decide to spend your free time.

But I am increasingly convinced that there is a successful internet business model that will, just waiting to be developed.

Good luck,

JT
by bottlecap
Tue Dec 12, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 102
Views: 8713

Re: What to do after losing $117k in stock market?

The ONLY way is to EDUCATE the person and hope they believe they are doing it for themselves vs. just being told to do it and let their actions speak. Aside from the fact there are posts recommending that the OP educate himself, your solution suffers from the same flaw that you complain about. No o...
by bottlecap
Tue Dec 12, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 23
Views: 1800

Re: Access to landlocked timber blocked by landowner

I would speak to a lawyer before selling. I didn’t quite understand this before, but the purchase agreement is likely a binding contract. So long as your father is the owner, he might have the right to use the road. Now whether he can drive a vehicle on it is another story, to which they lawyer may ...
by bottlecap
Tue Dec 12, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 102
Views: 8713

Re: What to do after losing $117k in stock market?

"Joy" and "stressful and depressing” don’t go together. You perhaps enjoy the anticipation that gambling gives you. You might need to talk to someone about that. Other than that, I would commit to investing in a target retirement fund inside a retirement account and commit to staying in it. Also pay...
by bottlecap
Tue Dec 12, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 23
Views: 1800

Re: Access to landlocked timber blocked by landowner

This is state law dependent, but my guess is that you are stuck with the south side easement. Maybe him permitting you to use the north side for 5 years makes a difference, but I would bet not. It’s his private property and the use for 5 years is probably not long enough to give you any right to use...
by bottlecap
Tue Dec 12, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 60
Views: 4385

Re: Can we afford to live on one income?

If you calculations are correct, $100 is probably too tight. Something will have to give. I’m speaking from experience.

However, you could do this for a few years if you don’t mind dipping into savings every few months when the need arises.

Good luck and congrats on the baby,

JT
by bottlecap
Tue Dec 12, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Scary episode with "intruder" in the home ... Google Home
Replies: 15
Views: 3775

Re: Scary episode with "intruder" in the home ... Google Home

That's quite a funny story, once all is revealed, of course. I just don’t understand the allure of voice activated (essentially) internet, however. It’s not that convenient and I don’t want something listening, interrupting, and occasionally scaring the pants off me in the middle of the night.... JT
by bottlecap
Sun Dec 10, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 3603

Re: Danger of being a helicopter pilot?

Your responses will be skewed by survivorship bias, I suspect. :wink: I am not a helicopter pilot, only know one who just retired from the Army, don't play one on on TV, and I didn't sleep in a Holiday Inn last night. However, I don't think the OP's concern is "absurd." I'm sure that the answer to t...
by bottlecap
Sat Dec 09, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 69
Views: 8008

Re: Just not getting it

Hey, if you can really pick successful stocks based on what you see your friends doing, go for it. Don’t change friends, either.

I’m guessing you can’t. But only you know if you’re the unicorn next door.

JT
by bottlecap
Sat Dec 09, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2215

Re: What MPG App Do You Use To Track Fuel Usage ?

jhfenton wrote:
Sat Dec 09, 2017 10:16 am
I'm with livesoft. I rely on my car's data. It's adequate.
But not accurate. It's an interesting question as to why we track it. But many do, myself included. Actually, I just type it in.

I use whats now called Fuelly.

JT
by bottlecap
Sat Dec 09, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 64
Views: 3609

Re: I am buying a car: Most/Least Reliable Makes?

Your list looks pretty good. Maybe you have Subaru a little high, but your research is probably better than mine.

JT
by bottlecap
Sat Dec 09, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1894

Re: Fuel Additives for 2017 Toyota Camry

Where do you think Kroger gets their gas? The Kroger refinery? Kroger stores source their gas from multiple places. You could be getting top tier, but you might not be. I'm not convinced top tier is necessary, but there does seem to be a difference. If anyone is worried about it, I suspect as long ...
by bottlecap
Sat Dec 09, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1894

Re: Fuel Additives for 2017 Toyota Camry

So this service technician, not knowing whether or not you typically use Top Tier gasoline was right to recommend a fuel additive in my opinion. Better to have it and not need it, than to need it and not have it, "mama used to say". Not really. The car has 5000 miles on it. It needs no additive. I’...
by bottlecap
Sat Dec 09, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5659

Re: Does this happen to you? Educating friends about personal finance

I get it. You have some knowledge. You’re excited. But nobody else cares.

Let it go. Don’t try to "fix" everyone.

JT
by bottlecap
Fri Dec 08, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Extended warranty on 2018 Outback
Replies: 47
Views: 1583

Re: Extended warranty on 2018 Outback

No No No.....Never buy an extended warranty. Worked in the industry for a bit many years ago and we were always told to push these products. But if you are thinking about it that is a decent price. Having spent almost my entire career in the ground transportation business I'd add all they are is an...
by bottlecap
Fri Dec 08, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1894

Re: Fuel Additives for 2017 Toyota Camry

Lol, bacteria in the gas tank, that's a new one for me.* Leave this place a 1 star review on google and/or yelp and never go back. Also I'm not sure if ethanol will actually separate from gas. *Yes I'm sure there is some bacteria that can live in these conditions but I doubt it would pose a problem...
by bottlecap
Fri Dec 08, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 3928

Re: Does a Boglehead ever time the market?

Did Bogle talk about the Schiller PE in that book? If not, there’s your answer. If so, what did he say about it?

JT
by bottlecap
Fri Dec 08, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 6848

Re: House on the market less than a day. Did listing agent commit fraud?

When I sold my last house, we had an offer before it went on the MLS. Someone had seen the realtor but the sign in the lawn the day before. We had a deal in four days. And I was out of town. No one else saw it. Go talk to an attorney about your fraud claim. If they take your case, I guarantee you th...
by bottlecap
Fri Dec 08, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 61
Views: 6214

Re: CPA: The best profession if you want to make the most money + keep the most money?

The best profession is to be found by knowing oneself and finding what you love and are passionate about. From that, the money will come, the career satisfaction will be found, and personal fulfillment and growth will be realized. Without those things, all the money in the world will not fill the e...
by bottlecap
Thu Dec 07, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1894

Re: Fuel Additives for 2017 Toyota Camry

No additive necessary. You went to a dealer. What did you expect? Honesty?!? Additives are not needed. If you are super anal, buy only top tier gas. Or buy non-top tier and put a bottle of Techron in the tank every six months. You can get 6 bottles for about $16.95 at Costco. But neither are necessa...
by bottlecap
Thu Dec 07, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5373

Re: What do Bogleheads say when they don't want to spend money?

This is really a problem for you?

Just say you don't want Netflix.

JT
by bottlecap
Thu Dec 07, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1553

Re: Okay come clean....How man people share passwords for streaming services?

mhc wrote:
Thu Dec 07, 2017 12:19 pm
Never.

I do not support stealing or lying.
+1. That way I don’t have to come clean out anything.

JT
by bottlecap
Thu Dec 07, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7261

Re: At what age your investments start making more money than you?

This is a fun thing to think about when you start out, but doesn’t matter. What matters is how much you need to retire. If you are concerned about your investments making more than you do, you are setting yourself up for disappointment. One year they might, the next they may not and the next they mi...
by bottlecap
Wed Dec 06, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 6848

Re: House on the market less than a day. Did listing agent commit fraud?

So, you are considering suing for fraud because you had to arrange for a babysitter for a couple of hours? :shock:

There is no fraud here. It happens.

JT
by bottlecap
Wed Dec 06, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8238

Re: Want to sell my Bitcoin, but when?

Who the hill knows?

You bet $7k on "investment" I’m guessing you know very little about.

You’ve got gamble in you. Why not ride it out?

You know, as a "learning process."

JT
by bottlecap
Wed Dec 06, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?
Replies: 47
Views: 4080

Re: Friend buys a lot of stuff because he want's to reduce his tax liability. Is this thinking flawed?

Derivative wrote:
Wed Dec 06, 2017 12:44 pm
He is in a huge amount credit card debt, has no money in his retirement accounts (due to no savings), is in his late 50's, and is still buying a bunch of stuff.
I would say that this is proof positive that his thinking is flawed.

JT
by bottlecap
Wed Dec 06, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1935

Re: Least/Most Reliable Carmakers Today

The methodology only includes power train issues - engines or transmissions.

Engine problems are not typical and transmission problems are only slightly more common. But both can be expensive.

JT
by bottlecap
Wed Dec 06, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Used Car Buying Help
Replies: 20
Views: 1389

Re: Used Car Buying Help

It seems like a new one would be ideal given the high resale for the used models I've seen. But does that always hold true? The reason that the depreciation on Toyotas is low (and thus you pay a higher priced for a used one) is because they are good cars. Your problems with the car will be, on aver...
by bottlecap
Tue Dec 05, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: First post from this retiree with questions - my daughter sent me here!
Replies: 34
Views: 3830

Re: First post from this retiree with questions - my daughter sent me here!

How about start taking $500 per month and see how you feel about it?

JT
by bottlecap
Tue Dec 05, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 63
Views: 5403

Re: Dad Needs Help Buying Wedding Liquor

That should be one interesting wedding with a 5 hour open bar and then the wedding. Hopefully the bride and groom remember their lines and most certainly no driving afterwards. A five hour open bar is great. Believe it or not, people tend to act like adults, just like you do. Give other people a li...
by bottlecap
Tue Dec 05, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 63
Views: 5403

Re: Dad Needs Help Buying Wedding Liquor

Ask your daughter or her fiancé. They will know the stuff that is popular with the kids nowadays. However, the hard liquor recommendations made in this thread are the typical ones and not a bad way to go. Jack Daniels is a whiskey, of course, and Maker's Mark will satisfy the typical Joe that asks f...
by bottlecap
Tue Dec 05, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7013

Re: Lowering My Grocery Bill

$250 per person per month in California doesn’t seem bad to me.

If you want to save, go for the low hanging fruit. Or move out of California. Or both. But shaving 5 or even 10% off your $3,000 on food bill isn’t going to go very far.

JT
by bottlecap
Tue Dec 05, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6601

Re: How to convince DW that high miles used car is OK

Plus, if you're driving it mostly, what you want is important. Yes - BUT - we have 99% joint finances/money. :) If I bought a car she thought was financially more risky than she agreed with - and she turned out to be correct - it would not be good.. :) Well, I can't help you win the "who made the s...
by bottlecap
Tue Dec 05, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Disputing a charge against an auto repair shop, should I give them another chance to make it right?
Replies: 17
Views: 1644

Re: Disputing a charge against an auto repair shop, should I give them another chance to make it right?

Perhaps tell the offending shop that you are going to write negative (but truthful) reviews of them and include the pictures.

Then ask them what amount they would like people to know that the shop refunded to make it right for you, because you will include that in the review as well.

JT
by bottlecap
Tue Dec 05, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6601

Re: How to convince DW that high miles used car is OK

I would be the primary driver - almost all local, short trips. Her "issue" is financial - the belief that a less expensive very old, high mileage car will end up needing repairs. Well, it will, on average, end up having more in maintenance costs. Things will wear out. So if her issue is financial, ...
by bottlecap
Tue Dec 05, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Why was my 2016 tax so low?
Replies: 19
Views: 2130

Re: Why was my 2016 tax so low?

If you want to know how taxes work, you shouldn't use any software.

JT
by bottlecap
Mon Dec 04, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6601

Re: How to convince DW that high miles used car is OK

Lexi wrote:
Mon Dec 04, 2017 2:38 pm
If you really believe a well maintained beater is just fine, you should go ahead and drive one but don’t expect others to accept that argument.
My mother said to be nice and respectful of others' opinions. I try to be, but I don't always expect others to accept her argument.

JT
by bottlecap
Mon Dec 04, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6601

Re: How to convince DW that high miles used car is OK

[...]Remind her that she flies in 30 year old airplanes.[...] Seriously?! If you've got to, please use any other reasoning but this one. Not even going into reasons such as relative mechanical fatigue, etc., I bet those 30-year-old planes are checked far more often and far more thoroughly than any ...
by bottlecap
Mon Dec 04, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2723

Re: How much do you need to drive a car to keep battery charged and everything else OK?

If I just drive it once a week to the grocery store, 11 minutes away, go shopping and drive back home, is that enough? I think that will do it. If that type of use doesn't keep the battery charged, I would think that you could get a trickle charger fairly inexpensively. JT P.S. I agree with Jack - ...
by bottlecap
Mon Dec 04, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Handling after death affairs for my deceased domestic partner
Replies: 17
Views: 2087

Re: Handling after death affairs for my deceased domestic partner

I primarily wanted to say that I'm sorry for your loss. I can add that I would wait a bit to see what insurance pays. Any debts she would owe for medical expenses are due, but it's awful hard for the providers to collect unless an estate is opened. Even then, it's a pain for them. If you call up the...
by bottlecap
Mon Dec 04, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Who keeps more money out of 100k? Self-employed vs Employed?
Replies: 39
Views: 2780

Re: Who keeps more money out of 100k? Self-employed vs Employed?

If a salaried employee makes $100k plus benefits, the employee is not being paid $100k, but $100k, plus whatever the value of the benefits is.

JT
by bottlecap
Sat Dec 02, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5139

Re: How do I convince my employees to invest more?

Their problem is that they are probably a lot like every other American (and a lot like me, when I'm not paying attention). I'd rather spend than save. I'd rather watch Stranger Things than read the Boglehead's Guide to Investing (which I'm going through now). So really, step one isn't save for ret...
by bottlecap
Sat Dec 02, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Keep SUV or Trade in? Financials...
Replies: 11
Views: 1108

Re: Keep SUV or Trade in? Financials...

It's hard to understand what you are talking about.

But you are probably better off leasing given the kind of cars you buy and the length of time you hold them.

JT
by bottlecap
Sat Dec 02, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6601

Re: How to convince DW that high miles used car is OK

Have it inspected by a mechanic. Research the vehicle year, make, and model to see when and if common problems pop up. See if the seller has vehicle service records to make sure the routine maintenance has been performed. Promise to keep it well maintained. If you are inclined, check under the hood ...
by bottlecap
Sat Dec 02, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: I soooo want to embrace the 3 fund portfolio, but...
Replies: 25
Views: 2906

Re: I soooo want to embrace the 3 fund portfolio, but...

Do I even worry about trying to time anything? I know that's not a Boglehead theory, but I'm talking about a substantial amount of investments... You need to educate yourself about investing before you do anything. No matter what we tell you, until you can dispel yourself of incorrect assumptions, ...
by bottlecap
Sat Dec 02, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: How my FIL saved for college
Replies: 13
Views: 1710

Re: How my FIL saved for college

Those aren't available today. You need interest rates to skyrocket.

Sorry.

JT