Search found 5947 matches

by bottlecap
Wed Jun 19, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 32
Views: 1850

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: 118
Views: 7989

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: 118
Views: 7989

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: 3203

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: 3203

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: 3203

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: 2167

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: 3480

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: 3850

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: 1681

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: 6962

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: 3365

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: 4461

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: 1857

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: 14598

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: 3044

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: 3333

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: 1271

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: 2158

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: 2158

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: 2158

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: 42
Views: 2221

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: 3429

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: 2322

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: 3429

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: 2597

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: 2005

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: 3103

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: 7140

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: 2593

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: 6003

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...
by bottlecap
Tue May 14, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 80
Views: 9536

Re: What non frugal things save money?

I will go more expensive if it's something that has demonstrated it will last longer/is more durable. Function is important, too. For instance, I am willing to go more expensive in protective sports equipment, especially for things like my head, back and butt. It often saves pain and, occasionally, ...
by bottlecap
Tue May 14, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4350

Re: Worth Fighting a Speeding Ticket?

Thanks all. To be clear, I don't have a problem paying the court / citation fees. Was exploring the lawyer option to minimize impact on my insurance. Like others have said, see about the driving class. In many states agreeing to take the class will eliminate the impact on insurance rates. If it doe...
by bottlecap
Sun May 12, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4825

Re: Move out or stay at my parents?

If you ever want to start a family, it's probably time to move out.

Good luck,

JT
by bottlecap
Sat May 11, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: 256 Gbytes for IPhone! How much further?
Replies: 29
Views: 2104

Re: 256 Gbytes for IPhone! How much further?

Buying an iPhone is nonsense. You might as well go all out!

JT
by bottlecap
Tue May 07, 2019 6:56 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13535

Re: I tried to fire my financial advisor of 12 years today...

I would be mad as hell that the guy immediately agreed to drop his fee by a third. That's basically saying that the whole time he took you for a sucker that would pay far more than his firm was willing make off of you. I happened to get into a discussion with two salesmen over a beer on Friday after...
by bottlecap
Thu May 02, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8709

Re: My solar investment experience

At the moment we do not price the negative externalities of fossil fuel use. Coal in particular has a large negative externality. Pollution in particular plus coal mining deaths, etc. (Underground mining is one of the most dangerous professions. Powder River Basin coal (open cast - Wyoming) is prob...
by bottlecap
Thu May 02, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Car shopping advice (sanity check)
Replies: 56
Views: 5059

Re: Car shopping advice (sanity check)

Yes, it’s foolish. Twenties and living at home, it is much smarter to keep saving like a mad man. The gravy train you are one probably won’t last forever.

Can you do it? Yes. But I wish I saved more at your age when I could have.

JT
by bottlecap
Wed May 01, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8709

Re: My solar investment experience

OP, does your "cost" include the cost of federal, state, and local subsidies and, if not, what are they? It makes sense that you wouldn’t include them as a cost to you in the context of your post, but also makes sense to include them as a cost of the system in evaluating the total real-world cost/be...
by bottlecap
Tue Apr 30, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Very Delayed Posthumous Bill
Replies: 17
Views: 3738

Re: Very Delayed Posthumous Bill

The internet says the statute of limitations on medical bills is 5 years in Florida (4 for an oral contract).

Seems like this is likely uncollectible.

JT
by bottlecap
Tue Apr 30, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Seeking Advice: Repair Car or Purchase Used Car
Replies: 29
Views: 1019

Re: Wondering How Much to Spend on a Car

Cheapest thing on average is to perform the maintenance.

JT
by bottlecap
Tue Apr 30, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 73
Views: 6204

Re: out of network emergency visits. Huge bill!!!

I would also call the ER billing and try to negotiate by explaining the situation. You are largely uninsured for this and they may cut your bill when they realize that. I would think you could still appeal with your insurance company.

JT
by bottlecap
Tue Apr 30, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Purchasing 2019 Honda Pilot Advice Wanted
Replies: 17
Views: 1572

Re: Purchasing 2019 Honda Pilot Advice Wanted

Truecar is trash. Use the pilot owners forum for pricing.

JT
by bottlecap
Sat Apr 27, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Minivan alternatives?
Replies: 48
Views: 3120

Re: Minivan alternatives?

Personally I don't see anywhere near enough 15+ year old Honda and Toyota on the road to make me think most of them are getting to 250k. Perhaps it’s where you live. I see lots on the road that old. My friend, who doesn’t know enough about cars to treat them well, got 300,000 miles out of his Odyss...
by bottlecap
Sat Apr 27, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: 80% Boglehead / 20% “Crazy”?
Replies: 24
Views: 2421

Re: 80% Boglehead / 20% “Crazy”?

You could, but why would you do this? Presumably, you amassed this wealth by being responsible and, if you had $500k more than you needed to maintain this responsible lifestyle, why risk it instead of just living a little larger than you need to?

JT
by bottlecap
Sat Apr 27, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8395

Re: What are the cons of always being a one parent working household?

How does the stay-at-home parent go back to work after raising the kids? That is a big gap in their resume. Is the proposed premise that one is no longer employable after raising a few kids? That’s not the case. You obviously aren’t going to get the same type of job at the same levels out might hav...
by bottlecap
Sat Apr 27, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8395

Re: What are the cons of always being a one parent working household?

It seems like you’ve hit on the big ones. Lower social security maybe, but you'll be fine with $5 million. With kids at home, it sure is a blessing to have someone there. Just keeping everything clean is huge. In your situation, the pluses far outweigh the minuses. Plus, there's nothing preventing t...
by bottlecap
Sat Apr 27, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: weber grills
Replies: 34
Views: 2840

Re: weber grills

ThriftyPhd is spot on. The biggest thing is how much space you will need. If you cook with indirect heat and, unless, you are just doing burgers and dogs, you should be, you probably need at least the space he Genesis line provides. I will have had mine for 8 years and haven’t had to replace a thing...
by bottlecap
Sat Apr 27, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: How Much to Tip Wedding Officiant
Replies: 38
Views: 2315

Re: How Much to Tip Wedding Officiant

I don't know the answer. We donated $400 to the church. I will say that being a away from your family and kids is never a welcome thing for me or my wife, even when they are being rambunctious. It is always a minus, not a plus. Being away for a few hours is sometimes nice, but that’s about it. I don...
by bottlecap
Sat Apr 27, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Minivan alternatives?
Replies: 48
Views: 3120

Re: Minivan alternatives?

I think maybe the flex is one of the few alternatives, and it still doesn’t have the versatility of a minivan. We went with the Odyssey and it’s been a really good vehicle. Haven’t had it long enough to judge true reliability, but, as nice as the Pacifica is, you are blindly placing hope over experi...