Search found 5966 matches

by bottlecap
Wed Jul 17, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 4441

Re: "Objective" Importance of Keeping Your Physicians?

A subjective opinion that something is "objectively" of little benefit is in and of itself of little benefit. The point of mentioning the topic in any healthcare discussion is control. Do you want to have control over who provides you with the intimate healthcare services that you are ultimately pay...
by bottlecap
Tue Jul 16, 2019 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Should i disclose my liability insurance policy limits?
Replies: 20
Views: 2263

Re: Should i disclose my liability insurance policy limits?

Either get a lawyer to discuss or follow the advice of your insurance company (and get it in writing). You do not want your insurance company to claim that you did not cooperate or somehow compromised your defense. It is usually much tougher on plaintiffs if they don’t know the limits. It’s hard to ...
by bottlecap
Mon Jul 15, 2019 11:55 pm
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 100
Views: 6878

Re: Switching from passive to active management

It’s fine if you want someone to hold your hand. But do not fall for a sales pitch. Investment firms to cannot use active management to successfully mitigate risk. Their investment brochures make it appear like they can, but these are time-worn slight-of-hand tricks. No one knows what the next crash...
by bottlecap
Thu Jul 11, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2333

Re: Grill Mat

They are fine for roasting but they prevent the fire from touching the food which is kind of the point of grilling. Fire should not really be touching your food. Momentary flare ups are one thing, but not desirable. Heat cooks your food, not fire. Fire blackens and burns, which is not healthy and d...
by bottlecap
Wed Jul 10, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 87
Views: 4172

Re: Automatic Watches

Unless you wear it every day, you will be resetting it a lot anyway. My Seiko 5 doesn't lose very much time, but it's rarely running for two days straight. Don't be surprised by accuracy that is less than a quartz watch. It's akin to saying you want to buy a car with a carburetor to get away from th...
by bottlecap
Tue Jul 09, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 52
Views: 3782

Re: Buy a new car now or wait: what's the math say?

The "maths" always say a good running car is better to keep. I love my wife. She got excited about getting a "new" 8 year old vehicle with a 103,000 miles on it. If you can't find one of those wives, the best thing for you to do is buy her a new car to fix her itch and you keep her old car until it ...
by bottlecap
Tue Jul 09, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6222

Re: Buying a Smoker

You might also want to try a smoke tube in your gas grill. I've never used one, but my neighbor swears by them. Definitely a cheap way to go if you already have a gas grill. https://www.amazon.com/MAZE-N-Pellet-Tube-Smoker-Design/dp/B00CS6YFIC I would do this. I this is a cheap way to see if you're...
by bottlecap
Tue Jul 09, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6222

Re: Buying a Smoker

Why not get a good grill that can double as a smoker? That way if you end up not liking smoking, you still got a good grill. smoking isn't exactly set and forget, but if you have a grill that keeps good temperature control, you can leave it for a long time and check it only periodically. Electric sm...
by bottlecap
Tue Jul 09, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Dealer shows trade-in value much higher to avoid sales tax
Replies: 34
Views: 3536

Re: Dealer shows trade-in value much higher to avoid sales tax

Call them if you want. Very unlikely to adversely affect you.

Most likely it’s a mistake.

A dealer is not going to commit fraud when you are obligated to pay the sales tax.

Plus, you don’t commit fraud by ridiculously overstating the value of an old vehicle. That’s a recipe for getting caught.

JT
by bottlecap
Tue Jul 09, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2333

Re: Grill Mat

I use them for shrimp, so they don’t fall through the grates.

I don’t think the are particularly easy to clean, however.

They also can't be safely used for anything more than medium heat. Mostly good for shrimp and vegetables.

JT
by bottlecap
Fri Jun 28, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 56
Views: 12963

Re: Picking up New Subaru-Worth buying extended warranty?

and you should only insure what you can't afford to happen Sorry, I must disagree. I could replace my home from savings - so I should drop my homeowner's policy? My auto insurance comprehensive/ collision? IMHO a blanket statement ("always" or "never") is not usually THE right answer - everyone's s...
by bottlecap
Wed Jun 26, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 4846

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

electric tape to ignore it. You can visually notice if your air is lower and if it's too low you'll feel it driving. It's just a good to have but not necessary. I'd rather use the $70 for beer or wine :D :wink: No you can't gauge it visually. But you can check them with a digital gauge every month ...
by bottlecap
Wed Jun 26, 2019 2:04 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 1985

Re: Individual Stocks .. talk me out of it

Strange original post.

This entire website is devoted to educating people why one shouldn't invest in individual stocks.

I suggest checking the wiki and/or searching the term "individual stocks" in the search bar.

Good luck,

JT
by bottlecap
Tue Jun 25, 2019 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4374

Re: Triage in ER - charged $790

After leaving, you sealed your fate with respect to the bill. He who has the money has the power. If $800 is cheap, let the hospital sue him at county. I doubt the hospital's general counsel is going to see much gain in taking an $800 bill to court in the grand scheme of things. I could be wrong. $...
by bottlecap
Mon Jun 24, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4374

Re: Triage in ER - charged $790

Another vote for pay it and move on. You made a mistake by going. You made another mistake by leaving without trying to deal with the bill then and just hoping for the best. After leaving, you sealed your fate with respect to the bill. JT We have no reason to say the OP made a mistake by going to t...
by bottlecap
Mon Jun 24, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Health Shares - Need your opinion!?
Replies: 44
Views: 2669

Re: Health Shares - Need your opinion!?

People don't insure for $700k in medical bills. They file bankruptcy. JT That works only if you have no, or few assets to lose. Because most of your assets will need to be gone before filing bankruptcy. This is a few month old thread that has been recently revived, but this is obviously a common re...
by bottlecap
Mon Jun 24, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4374

Re: Triage in ER - charged $790

Another vote for pay it and move on.

You made a mistake by going.

You made another mistake by leaving without trying to deal with the bill then and just hoping for the best.

After leaving, you sealed your fate with respect to the bill.

JT
by bottlecap
Mon Jun 24, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 1901

Re: Chrysler Pacifica - Yes or No

The Pacifica is pretty slick. The problem is that it's a Chrysler, which has a long history of reliability issues. The Pacifica is too new to give an idea of reliability. But apples usually don't fall too far from trees. The Pacifica sells at a significant discount to Hondas and Toyotas, and presuma...
by bottlecap
Fri Jun 21, 2019 6:28 am
Forum: Investing - Theory, News & General
Topic: The End of Passive Investing?
Replies: 55
Views: 5070

Re: The End of Passive Investing?

Use the search box to bring up hundreds of past, but recent, threads on this.

JT
by bottlecap
Wed Jun 19, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 52
Views: 4291

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

Stop going to that dealer. Period.

JT
by bottlecap
Sat Jun 15, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9258

Re: Article on high deductible health plans - and the math

There is a difference between a high deductible health plan and a health plan having a high deductible . This appears to be lost on almost everyone. Ouch! Since the ACA, unless your plan is subsidized by your employer or the taxpayers, all reasonably affordable plans have high deductibles like thos...
by bottlecap
Sat Jun 15, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9258

Re: Article on high deductible health plans - and the math

There is a difference between a high deductible health plan and a health plan having a high deductible. This appears to be lost on almost everyone. Ouch! Since the ACA, unless your plan is subsidized by your employer or the taxpayers, all reasonably affordable plans have high deductibles like those ...
by bottlecap
Sat Jun 15, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3353

Re: Buy Mini-Van Tomorrow or No?

Odysseys had transmission issues with the second generation, 1999 to 2003. I assume the OP is not looking at minivans that are 20 years old. Tahoe transmissions were crap in the mid 2000s, generally lasting between 100 and 150k even with only highway use. They did nothing and gave customers nothing....
by bottlecap
Fri Jun 14, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3353

Re: Buy Mini-Van Tomorrow or No?

Thanks everyone. It is fir a Touring L Plus with a number of extras. Comparable new ones run for 7-9k more. Chrysler has a 360 degree camera, which we want, while Honda and Toyota do not gave. That was a very attractive feature for us, too. Ultimately went Honda and haven't once thought about the 3...
by bottlecap
Thu Jun 13, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3353

Re: Buy Mini-Van Tomorrow or No?

Yes to minivan. If you will get one eventually, you might as well get one now.

Unsure as to Chrysler and the price. Those Pacificas sell for pretty cheap new, depending on the model, that may not be a great price.

JT
by bottlecap
Wed Jun 12, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Automobile air conditioning strategy
Replies: 21
Views: 2255

Re: Automobile air conditioning strategy

FWIW Consumer Reports likes the 'set min temp/vary fan speed' approach: https://www.consumerreports.org/cars-driving/tips-to-get-most-cool-from-car-air-conditioning/ From consumer reports: 3. Don't Recirculate If you have passengers in the back seat, turn off the recirculation mode. This takes air ...
by bottlecap
Wed Jun 12, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3656

Re: Which shaving cream / oil?

Super Hans wrote:
Wed Jun 12, 2019 7:34 pm
Are you Proraso fans finding the product in the States?
I have no problem finding it on Amazon for $8 to $10 a tube. Is it that much cheaper in Europe?

JT
by bottlecap
Wed Jun 12, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 4122

Re: Toyota Sienna tire replacement at 12k miles

You don't need run flats. And don't use fix a flat unless you want a mess inside your tire and on your rims.

I would get a AAA membership and/or use Uber. Cars stop running for all sorts of reasons that run flats won't help with.

JT
by bottlecap
Tue Jun 11, 2019 6:39 am
Forum: Investing - Theory, News & General
Topic: Pay Growth vs Stock Market Returns
Replies: 26
Views: 1757

Re: Pay Growth vs Stock Market Returns

Why assume your salary increase will affect the return on your savings? Why assume your salary increase will steadily increase? How much will you be saving every year? If you save 15% of it, will getting -1 to 2% real return on it every year over 30 years give you enough of a nest egg to retire comf...
by bottlecap
Mon Jun 10, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7142

Re: Do you drive old cars for long distance travels?

flyingaway wrote:
Mon Jun 03, 2019 11:38 am
If your car is at least 10 years old and with 100k miles, do you still use it for long distance travels (more than 5 hours of driving)?
Yes. In fact, that's all I drive. Keep things maintained and you should have no trouble at all.

JT
by bottlecap
Mon Jun 10, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3476

Re: Sports classes in Universities

I never heard of it for credit. Seems like a perfectly waste of good money.

As an adult, I never needed anyone to tell me to play a sport. There's a bunch of sports you can play at college, many you don't even have to pay for (or they are included in the mandatory "activity fee").

JT
by bottlecap
Sat Jun 01, 2019 6:04 am
Forum: Investing - Theory, News & General
Topic: Best day of the month to invest?
Replies: 41
Views: 4550

Re: Best day of the month to invest?

Today is the best day.

If there were actually a best day, everyone would be aware of it and everyone would invest on that day.

JT
by bottlecap
Wed May 29, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1899

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

Nothing wrong with either brand. Don't overthink small purchases.

JT
by bottlecap
Tue May 28, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14879

Re: Can we afford to pay for our kid's college (at all)?

It's a little hard to grasp all of your financials in your post as described, but if I understand correctly, my answer would be "no way." You've got to take care of yourself so you can retire, won't be a burden on your kids when you do retire, and can perhaps help them out in the future. I wouldn't ...
by bottlecap
Tue May 28, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: "Soft" question on student loans
Replies: 72
Views: 3102

Re: "Soft" question on student loans

Please parents want to pay for it because they think it's important and something that benefits their children for life. In that way, it makes perfect sense. The education situation is unfortunate, but like most things, we have brought in on ourselves. In that sense, maybe the parents should pay... JT
by bottlecap
Fri May 24, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 3370

Re: Costco Finance and it’s lenders (Consumer Direct)

I did one with Costco about a year ago and it was fine. Didn’t cost me much, if anything.

It was a refinance, however.

JT
by bottlecap
Thu May 23, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1303

Re: Best bassinet

Hi all. Baby coming in the next couple of weeks. Allot of news on bassinets in the news with recalls etc. I wanted to get the boggleheads opinion on the best bassinet. In terms of safety, Quality, and maybe the baby the most happy ( or parents less sleep deprived :happy ) As others have mentioned g...
by bottlecap
Thu May 23, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2229

Re: Weber vs Broil King Grills

snackdog wrote:
Thu May 23, 2019 6:58 pm
We moved around from grilling on the bbq after the American Cancer Society warnings came out.
The solution is to learn how to grill, so you are not creating something unhealthy.

JT
by bottlecap
Thu May 23, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2229

Re: Weber vs Broil King Grills

All I know is the plastic handles on my cheap weber clone charcoal grill are turning to powder and cracked and I can't find replacements. I think I paid $39 for the grill. Also propane dries out meat and I am much happier with charcoal grilling (it might be better for the planet compared to gas too...
by bottlecap
Thu May 23, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2229

Re: Weber vs Broil King Grills

As a Weber owner, I have heard good things about Broil King. If you like them, give them a whirl.

If it's on par with Weber and you know how to cook on the grill, it will undoubtedly be worlds better than the Charbroil and Nextgrill stuff.

JT
by bottlecap
Wed May 22, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Health Shares - Need your opinion!?
Replies: 44
Views: 2669

Re: Health Shares - Need your opinion!?

Just be aware that the health share plans are not insurance and have no obligation to pay your claims. If your claim was $700k would they still have paid it? Who knows. What about $2M? Insurance companies are required by law to pay your claims. Health sharing companies are playing with fire IMO. Pe...
by bottlecap
Wed May 22, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3489

Re: Another Honda maintenance thread

I am not a mechanic by any means, but any "lifetime" fluids such as transmission fluid sounds like B.S. to me. If you want a short lifetime, sure. But no original fluid is going to be good 15 years in. It means the same thing as a life prison term. I just assume ”lifetime" means 100k miles. JT
by bottlecap
Wed May 22, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2370

Re: Inexpensive way to gain weight

I'd look into pro or college athletes' diets. I'm sure you can find articles about it. It would surely be healthier than chocolate ice cream!

Gaining non-muscle weight is mostly about calories.

Was your doctor joking? Does the doctor have any advice as to how to gain ”healthy" weight?

JT
by bottlecap
Wed May 22, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3489

Re: Another Honda maintenance thread

I don't get it. The manufacturer recommended a schedule to follow: the maintenance minder. Your response was, "I don't want to, what other schedule do you recommend I follow?" Huh? People at dealers will either tell you what you want to hear, what makes them the most money, their honest opinion, or ...
by bottlecap
Mon May 20, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Car repairs: what to do next time
Replies: 42
Views: 2650

Re: Car repairs: what to do next time

You are fine. "They" that espouse the "rule" know not of what they speak.

Could you have done things for less than you paid? Likely. I wouldn't lose sleep over it at this point, though.

Drums are replaced when they wear out. So unless they didn't need replacing, what they told you is right.

JT
by bottlecap
Mon May 20, 2019 6:50 am
Forum: Personal Investments
Topic: Am I off my rocker? Shift some assets to real estate?
Replies: 23
Views: 2030

Re: Am I off my rocker? Shift some assets to real estate?

Yes, you are. What makes you think real estate does well during a trade war?

There's a saying around here that goes something like this: “Stay the course.”

JT
by bottlecap
Fri May 17, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3175

Re: Synthetic oil or not for very low mileage auto?

I'll be the voice of dissent. Stick with conventional. Old seals shrink. I presume this is due to age, not mileage. We're not talking tires here. In my experience, putting synthetic in old vehicles causes leaks. Not a big deal, if you don't care about your garage floor. If you do, stick with convent...
by bottlecap
Fri May 17, 2019 1:03 am
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7235

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

These posts are always fun to listen in. Everyone can make the data say what they want. The driver is still the most important thing. Look ahead, anticipate, don't make quick moves. I would be very skeptical of 15 year old data because, well, an easy google search tells you how much things have chan...
by bottlecap
Wed May 15, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: How long will a shirt last?
Replies: 34
Views: 2623

Re: How long will a shirt last?

We have officially jumped the shark! Not only are there too many variables to consider, I have never "timed" how long a 2 dollar undershirt lasted. That said, up until recently, I was still wearing some of my late father's undershirts. He died twenty years ago. I think they were "Fruit of the Loom"....
by bottlecap
Tue May 14, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 6423

Re: Buying a "new" car - Advice pls

Lots of people are wrong about cars. Most of us just don’t buy enough of them in our lifetime to have an idea as to whether our experience is typical. I have come to believe we worry too much about getting the best deal on a particular model of vehicle. There is this crazy little thing called the "c...