Search found 4286 matches

by bottlecap
Tue Apr 25, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10731

Re: Ordering a Weber grill this week

I prefer the original Weber stainless grates to grillgrates. There's not a whole lot of difference in my experience and the grillgrates are harder to clean up. I have no idea where people think they've been told to grill hamburgers or sear steaks with the lid down. I've never seen that advice. High ...
by bottlecap
Tue Apr 25, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 2839

Re: co-worker had a baby chipping in on gift- how much?

I don't expect or even particularly like chipping in for office gifts. But it's intended as a nice gesture on the part of the giver, not as a decision to subsidize their lifestyle. So in reality, you are subsidizing the organizer's desire to do something nice for a third party. If giving money to bu...
by bottlecap
Tue Apr 25, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 2839

Re: co-worker had a baby chipping in on gift- how much?

I don't think $20 is high, but $10 a piece would probably get the job done, too.

Unless you really can't afford the extra $10, I would give the suggested amount without thinking twice, though. Not worth the brain cells or the grief.

JT
by bottlecap
Tue Apr 25, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 38
Views: 4161

Re: One Fund? Really?

Yes, one fund is okay. It's really not one fund, but a fund or funds.

JT
by bottlecap
Tue Apr 25, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1051

Re: Car troubles?

Price is high. Most are optional. The valves are the most optional, and probably the most expensive. I would have the independent mechanic take a look and do what's needed. Having the s-belt replaced is probably a good idea. It's time and it shouldn't cost you more than $150. If the brakes need doin...
by bottlecap
Mon Apr 24, 2017 6:52 am
Forum: Personal Consumer Issues
Topic: Considering Michelin Premier A/S tires for my Honda Accord. Any thoughts?
Replies: 33
Views: 16401

Re: Considering Michelin Premier A/S tires for my Honda Accord. Any thoughts?

Some brands of cars just plain wear out tires no matter what. This is why I only buy Honda and Acura (sorry all you American car supporters) While I agree that the driver has a good bit of influence over treadwear, I've never heard anything about the manufacturer, nor have I ever had a problem on A...
by bottlecap
Sun Apr 23, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 4946

Re: Six pack for barbecue?

Ask your friends, not the internet.

Seriously.

And have fun!

JT
by bottlecap
Thu Apr 20, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 24626

Re: Age when you started to max out your retirement accounts?

I first started doing it when I was first offer one at about 25.

My parents pounded in my head that you start by maxing it out and you'll never miss the money. They were right.

JT
by bottlecap
Thu Apr 20, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to purchase this new house?
Replies: 13
Views: 1291

Re: Can we afford to purchase this new house?

You can afford it if your jobs are steady and you have a normal budget. I'd definitely want to have an extra $50 in the bank on top of that if you're concerned, however. Big houses cost money and need to be furnished. You don't say what your emergency fund will look like after the purchase. My test ...
by bottlecap
Thu Apr 20, 2017 6:21 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 332
Views: 33751

Re: Larry Swedroe says "Goodby."

Thank you, Mr. Swedroe, for both your posts and books over the years. I've learned much from you.

No good deed goes unpunished. Know that the vast majority never questioned your integrity and best of luck to you and your family.

JT
by bottlecap
Wed Apr 19, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my whole life policy?
Replies: 43
Views: 4017

Re: Need help with whole life

Sadly, you are going to need to read your policy and maybe even talk to a financial advisor about your options. Cancelling it is likely the best path, but if there's anyway to get some of your money back, you want to cancel it right. I would get help immediately in the hopes that the policy or some...
by bottlecap
Wed Apr 19, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my whole life policy?
Replies: 43
Views: 4017

Re: Need help with whole life

Sadly, you are going to need to read your policy and maybe even talk to a financial advisor about your options. Cancelling it is likely the best path, but if there's anyway to get some of your money back, you want to cancel it right. I would get help immediately in the hopes that the policy or some ...
by bottlecap
Wed Apr 19, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child lack of availability at tax time.
Replies: 24
Views: 1931

Re: Adult child lack of availability at tax time.

I don't mean to pile on, but you need to let it go.

It's not your business and the adult does not want your help. There is nothing you can do. And It's not your problem.

I'm sorry about the situation but it shouldn't have gotten to this point.

JT
by bottlecap
Wed Apr 19, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 4998

Re: Bill received after Estate is closed

But I think that you "screwed this up" too, by not delineating, at the outset of the representation, the cost for the services to be provided, and--in the absence of any such determination---to set aside a reasonable amount therefor. That you "don't want to go back to the beneficiari...
by bottlecap
Wed Apr 19, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 4998

Re: Bill received after Estate is closed

One option is putting this back on the lawyer. Say "Gee, you provided an accounting and asked me to distribute what was remaining of the estate. I did so. Where is the money going to come from to pay the bill?" See what they say back. Another option is to ask the attorney to divide the bil...
by bottlecap
Wed Apr 19, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1731

Re: Should I purchase Apple Care for my new Apple Watch?

If it's anything like the iPhone, you're buying a product with about a two year life before something inside it breaks or it becomes annoyingly slow.JT My significant experience with Apple products does not line up with this assessment. I have never had a hardware related issue except battery fatig...
by bottlecap
Wed Apr 19, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: iPhone Screen Replacement
Replies: 12
Views: 639

Re: iPhone Screen Replacement

I am posting to see if anyone has experience getting their phone screen fixed for cheap at one of those mall kiosks. I have a severely cracked iPhone 6. I understand that it will void any warranty, but I don't currently have one. I also know that you can buy the screen parts and DIY, but I am not i...
by bottlecap
Wed Apr 19, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1731

Re: Should I purchase Apple Care for my new Apple Watch?

It's an extended warranty, right? Do you typically buy those? If it's anything like the iPhone, you're buying a product with about a two year life before something inside it breaks or it becomes annoyingly slow. However, you have to balance this with the fact that Apple makes it very difficult for a...
by bottlecap
Wed Apr 19, 2017 6:37 am
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 5781

Re: What kind of stuff would you never DIY, assuming you could?

I'm amending my answer. In addition to not mowing the lawn, I prefer not to paint, and will not get on my roof due to the steep angle.

JT
by bottlecap
Tue Apr 18, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Repair vs Replace car for someone just starting out
Replies: 23
Views: 1537

Re: Repair vs Replace car for someone just starting out

Has the problem been definitively diagnosed by a professional as the compressor? Are you at all handy? If yes, it may be something you can do yourself (mostly). You would want to have the refrigerant professionally evacuated and refilled, but there are a/c specialist shops that will do that for und...
by bottlecap
Tue Apr 18, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 5781

Re: What kind of stuff would you never DIY, assuming you could?

Cutting the lawn. Don't enjoy it, takes time, and is cheap to have someone else do. Other than that, if I'm competent, I'll do it. I, too, don't get your logic regarding the tires. You would rather get into a completely avoidable accident caused by an incompetent than avoiding the accident completel...
by bottlecap
Tue Apr 18, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10731

Re: Ordering a Weber grill this week

For Easter, I went to the in laws. We were supposed to cook a rib roast on their new grill, a Nextgrill 5 Burner stainless ($400). After cooking a few things on it Saturday, I told them there was no way it would cook the roast properly. So into the oven it went. The grill sure looked nice on their d...
by bottlecap
Tue Apr 18, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2488

Re: How to be a good parent to an introverted kid

"Quiet" is fine. Introverted "might" not be. Being able to related to people and interact with people is important for not only careers, but for social circles and for personal growth. People are everywhere. If your son is introverted and uncomfortable around others, I understand...
by bottlecap
Tue Apr 18, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 53
Views: 4720

Re: Unwinding all positions and buy back after French Elections

The only thing you need to protect yourself from is yourself. Stuff like this comes up every few weeks in the news. If you worry about the 24 hour news cycle and make it a part of your investment strategy, not only will you and the journalists be wrong most of the time, but you won't be in the marke...
by bottlecap
Tue Apr 18, 2017 12:30 am
Forum: Investing - Theory, News & General
Topic: Is all the money flowing into index funds bad?
Replies: 21
Views: 2992

Re: Is all the money flowing into index funds bad?

I heard today on the radio, the head of the endowment fund for the University of Cincinnati say that the 830+ billion dollars flowing into index funds at Vanguard and all the other money flowing into them at other Investment firms is going to hurt the market and will have consequences at some point...
by bottlecap
Tue Apr 18, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 3030

Re: New phone..any advantages to buying at Costco?

At the Costco Kiosk, we were told that Verizon doesn't sell the phones anymore, that they have a new system where you make payments under contract. That was untrue - that's what the Costco affiliate wants you to think. You pay more for the phone, with the right to upgrade earlier. This wasn't explai...
by bottlecap
Mon Apr 17, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Scratched bumper cost to repair
Replies: 17
Views: 1243

Re: Scratched bumper cost to repair

This won't help the OP, but for others, try a rubbing compound like meguiars or 3M for these scratches. You'd be amazed at what you can get out with them.

JT
by bottlecap
Mon Apr 17, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 3030

Re: New phone..any advantages to buying at Costco?

No - Costco doesn't "only sell contract phones". The last phones we purchased - iPhone 6s - back in fall 2015 and a Galaxy S7 in Summer 2016 were all under the current purchase options where you either purchase outright or on a 24month, 0 interest payment schedule. Obviously, a contract i...
by bottlecap
Sun Apr 16, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4421

Re: Is spending 15K to furnish home too much?

Where I live that doesn't seem unreasonable.

JT
by bottlecap
Sun Apr 16, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 3904

Re: Will - what is complicated?

I would love to see a sampling of non-attorney Bogleheads who have personally made wills both using software and using an attorney. Attorneys, probably the one subset of people would could most get away using software, know enough to know what they don't know. They are also the subset of people who...
by bottlecap
Sun Apr 16, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9122

Re: Why would anyone want to buy bond funds?

By that logic, it's a bad time to buy stocks as well.

Good luck,

JT
by bottlecap
Fri Apr 14, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2475

Re: Problems with oil pans and plugs for Honda Odyssey

The last time I decided I'd be smart and use a funnel to direct the flow. Well, the plug popped out of my hand and into the funnel, perfectly sealing the spout! Needless to say, it got messy, although moderately-quick thinking contained the spill to a sub-Valdez magnitude. Aside from the fumoto val...
by bottlecap
Fri Apr 14, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2475

Re: Problems with oil pans and plugs for Honda Odyssey

I'm tempted to try an oil extractor to reduce the potential mess, but spending $40 or $50 for something that is of not-insignificant size sitting in my garage for 4 or 5 months between oil changes (with oil residue on it or in it) reduces the appeal. Plus, the pump will take a good bit longer than s...
by bottlecap
Fri Apr 14, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: The Fool Price
Replies: 8
Views: 1541

Re: The Fool Price

I think there is some validity to this. My parents, who were very frugal, would sometimes find a good deal and buy 5 of whatever it was, even if we were only likely to need 1 or 2. However, realistically, there are somethings that would add to my life but I'm not willing to pay full price. If I coul...
by bottlecap
Fri Apr 14, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4490

Re: Car Breaks Down on Long Road Trip

When my vehicle catches on fire, I typically have more than lemonade in the cooler... There's really no answer to this question. Some people would rather a rental for peace of mind, thinking they might breakdown or get into a wreck. Others trust their vehicle and are willing to take their "chan...
by bottlecap
Fri Apr 14, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Mixed Feelings - "Investing" in my car
Replies: 6
Views: 1017

Re: Mixed Feelings - "Investing" in my car

Yup. Sounds normal to me. You'd like to get a little more life out of an alternator, but sometimes you don't.

This is why you save, don't feel bad. Unless you have unlimited amounts of money, something has to give for life's expenses.

JT
by bottlecap
Fri Apr 14, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6507

Re: Dealership rejecting rebate after contract signed

Its not your problem! You showed up looking to buy a new car and worked out the best deal with the salesperson. The salesperson must have told you that you were eligible for this rebate. Contract signed, deal is done. Dealership needs to work this out on their end and leave you alone. I would at be...
by bottlecap
Fri Apr 14, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: Investing question
Replies: 16
Views: 967

Re: Investing question

Hi, and welcome. First off, what you've stated is not a "fact." It is merely a concern. Will it happen? Maybe, but you don't know and neither does anyone else. A couple of things to consider: You can invest internationally. Something like 1/2 the S&P companies' revenues are generated i...
by bottlecap
Fri Apr 14, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 3904

Re: Will - what is complicated?

My point is that danger arises precisely because the software-generated will is unlikely to be contested, because the unwary, uneducated (as to the law) testator in fact "wrote" it. But how will the executor and heirs know who wrote it, except for the fact that the lawyer-generated will m...
by bottlecap
Fri Apr 14, 2017 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 3904

Re: Will - what is complicated?

My point is that danger arises precisely because the software-generated will is unlikely to be contested, because the unwary, uneducated (as to the law) testator in fact "wrote" it. But how will the executor and heirs know who wrote it, except for the fact that the lawyer-generated will m...
by bottlecap
Thu Apr 13, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 3904

Re: Will - what is complicated?

I also have to take issue with the idea that legal zoom wills have been "tested thousands, if not millions of times." After death, the will is the will. There's not much to test. Sure, it could be invalidly executed, but if its terms do something other than what the testator intended, the...
by bottlecap
Thu Apr 13, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Lack of rigor in EdX (and other?) MOOCs?
Replies: 23
Views: 1381

Re: Lack of rigor in EdX (and other?) MOOCs?

Anyway... just sort of wondering... there's nothing wrong with any of this if everyone understands what these courses are, but, I dunno... 1/10th the hours of college course, grade based on a grand total of sixty multiple-choice questions, with a passing grade of 50%, and a second shot at each ques...
by bottlecap
Thu Apr 13, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10731

Re: Ordering a Weber grill this week

I'm probably asking on the wrong board, but is a Weber Genesis worth the extra $1,000? We don't do anything fancy on our grill....but assuming I have the means, I wonder if it's worth it. Does it look noticeably nicer (I know that's a subjective assessment, but just curious). I agree with btenny. T...
by bottlecap
Thu Apr 13, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4490

Re: Car Breaks Down on Long Road Trip

Thinking about this, I've broken down twice in 27 years of driving. Once was because I was young and ignored several warning signs over a few days before the alternator gave up the ghost. The other was a transmission that gave out with zero warning, on vacation, of course. All but three years of thi...
by bottlecap
Thu Apr 13, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 1761

Re: Keep old yet reliable used car or buy new

Just traded in my 07 civic. 227,000 miles Because I drive around 24,000 miles a year, I found that every 3 years I had to put a lump sum of money to get through the next 2 years and the third year would be the bonus year, before I had to reinvest a bunch of money. The problem was that I was startin...
by bottlecap
Thu Apr 13, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4490

Re: Car Breaks Down on Long Road Trip

Pull the plates off of the SUV and walk away. Everyone splits up and finds there own way to the hotel. Last person to arrive buys dinner for everyone. Purchase a new SUV to drive home, forget about the old one... piece of junk, left you stranded on vacation! Ah, you forgot to light the old one on f...
by bottlecap
Wed Apr 12, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 1761

Re: Keep old yet reliable used car or buy new

You have an opportunity to save $500 by spending $28,000. Seems like a no brainer to me!

Seriously, I think you are looking at this entirely wrong. The $500 is maintenance. Anyone buying it will adjust their purchase price accordingly. So the $500 service is not even part of the equation.

JT
by bottlecap
Wed Apr 12, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Charging Bull and Fearless Girl
Replies: 10
Views: 1519

Re: Charging Bull and Fearless Girl

LRonHalfelven wrote:Easy to be fearless when you're almost 60 years from retirement. Her portfolio will have plenty of time to recover no matter what crazy thing the bull does.

Lol. True. Thanks for the laugh.

I do feel for the bull's artist. If the situation was reversed, he would be pilloried.

JT
by bottlecap
Wed Apr 12, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 3904

Re: Will - what is complicated?

Yes, you can find problems with LegalZoom, but at least their templates have been tested thousands, if not millions, of times. That is more than you can say for every individual attorney that may have graduated from some unknown, unacredited law school somewhere and took twelve times to pass the bo...
by bottlecap
Wed Apr 12, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 3494

Re: Legality of renters posting reviews of a condominium complex?

In my personal opinion: It seems like what OP wants to do is the epitome of a chilling effect: https://en.wikipedia.org/wiki/Chilling_effect Already mentioned, but we may see the Streisand effect as well: https://en.wikipedia.org/wiki/Streisand_effect Many times when I see a place with volumes of p...

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