Search found 6038 matches

by bottlecap
Thu Nov 14, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4826

Re: (Sigh) "Wasting" year-old smoke detector batteries...

That's getting a bit carried away. Yah think!?! In PJW's defense, it is easy to get carried away anonymously on the internet. My point is that the interval of one year is recommended because it’s simple, easy, and overkill. But there is no law, of government, physics, or logic stating you must swap...
by bottlecap
Thu Nov 14, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4826

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I would think a $10 multimeter would give you a better reading. No law says you have to dutifully replace them every year. If you do, use the old 9v battery in another application. Unless you have kids or 2 way radios, that might be tough. My handheld temperature gun uses them. My safe eats them lik...
by bottlecap
Wed Nov 13, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: too late for additional life insurance?
Replies: 12
Views: 997

Re: too late for additional life insurance?

Would you sell a house or a car with a major problem and not disclose it to the buyer? If not, don’t put your appointment off, get seen about your health, and deal with whatever consequences come with that. Hopefully your issue is not major, of course. But your health comes first. If you would, I do...
by bottlecap
Sun Nov 10, 2019 7:50 am
Forum: US Chapters
Topic: U. S. Marine Corps Birthday
Replies: 22
Views: 1476

Re: U. S. Marine Corps Birthday

My late father served as a Marine in the Korean War. He was not one to tell folks about it or remember days like these, but I know he was proud of the Corps and was a stronger person for it. All my kids learned how to soothe themselves to sleep to the Marine Corps Hymn, which was one of his (and my)...
by bottlecap
Sun Nov 10, 2019 7:32 am
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 101
Views: 6127

Re: If you were forced to pick an alternative asset...

For anyone that would go crazy and do something financially destructive if they didn’t have 2.5536475892% or some other arbitrary amount in alternative assets, I would advise them to pick:

A fee-based financial advisor.

Good luck,

JT
by bottlecap
Fri Nov 08, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5238

Re: Early Financial Independence. - Healthcare costs

Your sentences are missing integral parts, so I may not have deciphered your information or question. However, if you can get health insurance for $240 per month, I’d say that’s about as good as you can do. The only question is whether you are financially independent such that you can afford $240 pe...
by bottlecap
Wed Nov 06, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 55
Views: 2648

Re: When to buy Car extended warranty ?

Sure. Lots of people gamble against the house. It works for a few.

JT
by bottlecap
Mon Nov 04, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2970

Re: Should I use a lawyer

As others have noted, you don't need a lawyer for damage to the car, but you will need to educate yourself and negotiate.

Make sure you don't have any injuries before settling, though. I'm glad that it sounds as though there are unlikely to be any.

Good luck,

JT
by bottlecap
Mon Nov 04, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Does leasing make sense in this case?
Replies: 45
Views: 2736

Re: Does leasing make sense in this case?

No leasing doesn’t make sense. You’re paying for the depreciation either way. Just buy, keep in good condition, and sell if you need to. Selling requires some work, of course. If you don’t want to do that work, perhaps you would prefer to pay a premium to lease?

JT
by bottlecap
Mon Nov 04, 2019 7:48 am
Forum: Non-US Investing
Topic: 5.1m Windfall - please advice
Replies: 22
Views: 3546

Re: 5.1m Windfall - please advice

Vanguard's Retirement Income Fund will be perfect for you.

JT
by bottlecap
Mon Oct 28, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11666

Re: Inside Fisher Investments

Wait. Talking about sex is vulgar? Not long ago, not freely talking about sex in a way that was likely to offend people made you a square. I find it funny that using naughty language is what gets clients pulling money out and not huge fees. Especially when it's universities that sponsor, support, pr...
by bottlecap
Tue Oct 22, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11613

Re: Ok to go without health insurance?

If you want to come out on the plus side of the risk equation, go without insurance. It's a no brainer, despite whatever else you hear from others. Somebody is paying for unhealthy people. It is you. However, you presumably earn a lot of money each year. Healthcare is not a big expense for you, like...
by bottlecap
Tue Oct 22, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Dodge Grand Caravan 45k Miles and broken transmission, Advice for a Car Noob
Replies: 13
Views: 1096

Re: Dodge Grand Caravan 45k Miles and broken transmission, Advice for a Car Noob

I don't get it. Transmission is still covered under warranty, right? Why isn't Dodge covering it?

Sorry about the problem. It could happen to any vehicle, but Dodge does not have a stellar reputation for reliability.

JT
by bottlecap
Sun Oct 20, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 4902

Re: Updgrade car for new safety features?

One normally doesn't need these features unless they are careless. Skip it unless you or your wife are careless or otherwise dangerous drivers.

The features are nice to have, but I certainly wouldn't get a new car for them.

JT
by bottlecap
Sun Oct 20, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8222

Re: Wallets [Do you carry a wallet?]

I slip this baby in my front pocket: https://www.amazon.com/Minimalist-Aluminum-Wallet-BLOCKING-Money/dp/B01EWZ6EU8/ref=sr_1_2?dchild=1&keywords=roco&psc=1&qid=1571587939&sr=8-2 I carry 3 credit cards, two id's, a couple of business cards, a gift card or two, and usually a couple of bills. It's very...
by bottlecap
Fri Oct 18, 2019 10:55 pm
Forum: Investing - Theory, News & General
Topic: Investing for the "great sag" - Dalio
Replies: 65
Views: 10360

Re: Investing for the "great sag" - Dalio

Ray Dalio knows very little about economics. Based on the stuff that he's written in the recent past, what he does know is wrong. That's not to say that bad stuff for the economy can't be just around the corner - it usually is. But if he turns out to be right, we will be witnessing the proverbial br...
by bottlecap
Wed Oct 16, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6354

Re: car battery change or not? 2 year old battery

It seems your battery is likely fine. If you want to change it before it dies, change it before next winter. If you live in a hot climate, summers can be tough on a battery, too, but you will very likely make it through the summer with a less than 3 year old battery.

JT
by bottlecap
Wed Oct 16, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sign authorization to settle lawsuit prior to mediation/trial
Replies: 21
Views: 2614

Re: Should I sign authorization to settle lawsuit prior to mediation/trial

I’ve never seen such a form and have done a number of mediations. I would not sign. If your lawyer disclosed it to the other side, or even the mediator, he or she would be committing malpractice. The purpose of mediation is to have a neutral third party make both sides just uncomfortable enough abou...
by bottlecap
Wed Oct 16, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: College for real life use [Practical knowledge about investing]
Replies: 28
Views: 2788

Re: College for real life use [Practical knowledge about investing]

If college professors could tell you how and where to make lucrative investments, they wouldn’t be college professors.

JT
by bottlecap
Fri Oct 11, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5978

Re: Replace water heater just because it's old?

If I had the time, I would shop around and replace it. However, some water heaters are designed to last longer than others. How long is yours designed to last? The benefit of replacing now is that you have time to shop around and maybe even negotiate. If you wait for it to fail, it will mostly likel...
by bottlecap
Fri Oct 11, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: John Bogle’s formula says 1% real stock returns likely over next decade
Replies: 187
Views: 19929

Re: John Bogle’s formula says 1% real stock returns likely over next decade

Mr. Bogle didn’t have a crystal ball and I would be one of the first, I imagine, to put any faith in a "formula" that purports to have future market returns figured out.

JT
by bottlecap
Wed Oct 09, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8143

Re: My mechanic just wrecked my car - advice?

Since we're talking about a 13 y/o car, have it sent to a body shop of your choice and have them pick up the tab. Accidents happen. Love the classy advice to sue. +1. Stuff like this is rare, but it happens. Use their loaner, get it fixed, if fixable. Otherwise deal with their insurance company and...
by bottlecap
Sat Oct 05, 2019 8:46 pm
Forum: Personal Investments
Topic: Family Finances
Replies: 18
Views: 3124

Re: Family Finances

Do not pay her debts. You will be able to settle those for close to nothing after she passes. I’d quite frankly just pay the minimum at this point.

I’m sorry for your situation and wish you both the best under the circumstances.

JT
by bottlecap
Sat Oct 05, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 39
Views: 4602

Re: Preparing for 25% tariff on Scotch

Does the retail price have anything to do with the price importers pay? How could it not? Well, if "everybody knows" that tariffs are going into effect, wouldn't people in the wholesale, distribution, and retail businesses try to take advantage of that now? I.e., wouldn't they attempt to maximize t...
by bottlecap
Sat Oct 05, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 39
Views: 4602

Re: Preparing for 25% tariff on Scotch

I like Scotch but have been on a bourbon thing the past few years. Someday, I might go back to scotch, but for now, this sounds like a good excuse for Scotch drinkers to try some bourbon! Good bourbon's cheaper anyway... BTW, I was unaware of this tariff until now, but it has a long history going ba...
by bottlecap
Wed Oct 02, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 8016

Re: Recourse for "Stolen" Money

Some one who sells you tickets to the game, accepts your money, and does not provide them before game time is NOT "legit." You don't really have any options. If the guy is who he says he is and admits that to the cops, filing a police report might get you some measure of satisfaction. But it's unli...
by bottlecap
Wed Oct 02, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 8016

Re: Recourse for "Stolen" Money

Some one who sells you tickets to the game, accepts your money, and does not provide them before game time is NOT "legit." You don't really have any options. If the guy is who he says he is and admits that to the cops, filing a police report might get you some measure of satisfaction. But it's unlik...
by bottlecap
Mon Sep 30, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Anyone replace an iPhone screen yourself?
Replies: 14
Views: 1110

Re: Anyone replace an iPhone screen yourself?

It's not that hard, but you do need a tool kit. I would budget at least an hour to do it, but it probably could be do e on 15 minutes.


JT
by bottlecap
Sat Sep 28, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Considering Full Career Change
Replies: 10
Views: 1577

Re: Considering Full Career Change

Consider that you already pay 15% in self-employment tax. You just don’t see about 7.5% of it because your employer "pays it" for you. But it is coming out of money that your employer would have paid you. As to how to estimate this? Buy some tax software and go through it completely. It is the best ...
by bottlecap
Sat Sep 28, 2019 6:57 am
Forum: Investing - Theory, News & General
Topic: Index Funds are bad because in tough times traders sell a lot?
Replies: 30
Views: 2653

Re: Index Funds are bad because in tough times traders sell a lot?

The premise of the argument is that money managers can successfully time the market. Thus, they can beat the market.

There’s no evidence for that premise.

JT
by bottlecap
Fri Sep 27, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 9502

Re: Beyond Meat Burger? Do you like?

I don’t understand the market for this product. Anyone who likes actual meat and knows how to cook it properly will never buy it. There is no way it tastes the same. Even if it did, it’s not healthier. Almost everyone I know that is truly a vegan/vegetarian either a) didn’t care for meat in the firs...
by bottlecap
Wed Sep 25, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Wall mount the TV, or use a TV stand?
Replies: 20
Views: 1749

Re: Wall mount the TV, or use a TV stand?

Wall mount, especially if the main tv. No question.

Eye-level, schmye-level. The wall mounts tilt.

JT
by bottlecap
Sat Sep 21, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 10779

Re: How hard is it to get into college?

The answer is "not hard." Colleges need your mo eye and federal loan money. Even the supposed "not-for-profit" ones.

JT
by bottlecap
Sat Sep 21, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: 2 weeks notice or No Notice ? save 3.5K or Reputation ?
Replies: 135
Views: 11252

Re: 2 weeks notice or No Notice ? save 3.5K or Reputation ?

I’m confused. Your job is outsourced and you were reassigned, or your job was outsourced and you are going to have to leave? If the latter, I would do what if best for me without giving a second thought. A company that gives two weeks severance is okay, but their losses are limited to two weeks. You...
by bottlecap
Fri Sep 13, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6460

Re: Whistleblowing / Going Rogue at Work

He’s going to fire you. Which is what you deserve. Unfortunately for you, this is correct. I can't imagine why you did what you did. I guess there's a small but non-zero chance the new prez wants to reward you. But if you thought that, you wouldn't have needed to post about it here. Good luck, JT
by bottlecap
Fri Sep 13, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Hospital/Doctor Release Form
Replies: 27
Views: 2060

Re: Hospital/Doctor Release Form

I can't believe you would expect otherwise.

You expect them to say, "Here are our terms of service. Make any changes you want."?
by bottlecap
Thu Sep 12, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1756

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

I'd get the best tire. I ignore the marketing, especially on tires. I'd be highly skeptical of claims of 2-3 mpg savings between this tire and a normal all-season. While not huge on your pocketbook, that's a huge (5 to 7%) difference efficiency-wise, especially for a Prius. All tire manufacturers ha...
by bottlecap
Wed Sep 11, 2019 7:29 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9907

Re: Too Late To Get Back Into Stocks?

My first piece of advice is find an AA that you are comfortable with and stick with it, no matter what you read and no matter what emotional/political thoughts you may have. They are often closely related and are not correlated to movements in the market. My second piece of advice is invest in a ret...
by bottlecap
Tue Sep 10, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Piano keyboard suggestion
Replies: 21
Views: 1791

Re: Piano keyboard suggestion

Casio Privia. They're surprising good, very light, and inexpensive, you can get a new one for about $500-600. We got a Casio Privia PX 160 for our daughter after a friend of mine (who is a professional) went to the piano store with my wife to try out a few in our price range. It was about $400. It ...
by bottlecap
Tue Sep 10, 2019 7:17 am
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 153
Views: 23213

Re: Rich people are hoarding cash

Cash is not hoarded.

But I can see why a money manger or financial journalist would feel that way sometimes.

JT
by bottlecap
Mon Sep 09, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 3206

Re: no idea - bourbon

Honestly, it doesn't matter. When cooking with alcohol, most of it burns off so that only a faint hint of flavor remains. That's popularly cited in a lot of places, but it's not borne out by testing, apparently: see here and here . Interesting. So most of it does burn off. Either way, the point is ...
by bottlecap
Sun Sep 08, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 3206

Re: no idea - bourbon

Honestly, it doesn't matter. When cooking with alcohol, most of it burns off so that only a faint hint of flavor remains. If something like Costco Signature (which many believe to be Jim Beam) is cost-effective, use that. But it would be impossible for even a bourbon drinker to tell which or what qu...
by bottlecap
Mon Sep 02, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 6077

Re: Not gaining weight on vacation?

The same way you do it at home. Don't eat so much.

You can do that. Just be cognizant of how much (and what) you are eating at each meal. Then don't snack in between.

Good luck,

JT
by bottlecap
Sat Aug 31, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 6304

Re: College age male: How much money for food?

Simple. 30 days per month. 1 pizza per day. $10 per pizza carryout.

$300.

Easy-peasy.

JT
by bottlecap
Tue Aug 27, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Do I need Uninsured Motorist Bodily Injury if I have health insurance?
Replies: 54
Views: 3371

Re: Do I need Uninsured Motorist Bodily Injury if I have health insurance?

No, you are overthinking it. If you are liable for an accident at all, your liability insurance policy will pay for the injuries caused to other people in your car. An uninsured motorist policy would only cover those injuries that are deemed the liability of the other driver. I am familiar with the...
by bottlecap
Tue Aug 27, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Do I need Uninsured Motorist Bodily Injury if I have health insurance?
Replies: 54
Views: 3371

Re: Do I need Uninsured Motorist Bodily Injury if I have health insurance?

and Bottlecap - your logic is flawed for the reason above. Also, not clear "lost wages" is claimable under pain and suffering ... but even if it was, your medical bills would have completely drained the coverage anyway, thus no $$ left to collect for P&S ... Lost wages are not pain and suffering. Y...
by bottlecap
Tue Aug 27, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Do I need Uninsured Motorist Bodily Injury if I have health insurance?
Replies: 54
Views: 3371

Re: Do I need Uninsured Motorist Bodily Injury if I have health insurance?

Hello We have 2 people with special needs in the family, so we will always have medical insurance. UMBI is optional in our state, so I am wondering if I can opt out? What if someone not in your family and without health insurance is riding in your car when you are hit by an uninsured motorist? As t...
by bottlecap
Tue Aug 27, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Do I need Uninsured Motorist Bodily Injury if I have health insurance?
Replies: 54
Views: 3371

Re: Do I need Uninsured Motorist Bodily Injury if I have health insurance?

Your call. If you don't get it, you and your passengers will not be able to recover for non-work related disability and any pain and suffering caused by an accident. Nor will you be able to recover for lost wages unless perhaps you have a disability (and then there may be exclusions, waiting periods...
by bottlecap
Mon Aug 26, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast Grievance - How to get their attention?!
Replies: 43
Views: 3307

Re: Comcast Grievance - How to get their attention?!

Have you done anything to exclude problems with your modem or router. It would be odd to have an outage localized to your home.
by bottlecap
Sun Aug 25, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17791

Re: White collars- How much is your work downtime?

:oops: Apparently you missed the many posts in this thread saying they are "blown away" - this is "revealing, their "eyes are opened", they are "shocked", that lack of work ethic or pride in work is a generational thing - that others work in an environment where they aren't required to be totally f...