Search found 5727 matches

by bottlecap
Sun Dec 16, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bottom fishing
Replies: 9
Views: 859

Re: Bottom fishing

I'm curious as to why you would ask this question on this forum.

Why come here to learn about market timing?

JT
by bottlecap
Sun Dec 16, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 70
Views: 4644

Re: Law school without practicing law

Don't do it.

Does it offer some benefit? Yes.

But none of the reasons you offer suggest you should do it.

If you said you love the law, I'd say go for it. Otherwise, don't waste your time.

JT
by bottlecap
Sun Dec 16, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 16
Views: 852

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

Why not ask the owner? Sounds funny. I'm skeptical of a buttinski neighbor who may want to purchase the land themselves.

JT
by bottlecap
Sat Dec 15, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 151
Views: 10266

Re: Obamacare Ruled Illegal by Texas Federal Court

They already did eliminate the mandate in the new tax law. That's the entire premise of this ruling. "Resolution of these claims rests at the intersection of the ACA, the Supreme Court’s decision in NFIB, and the TCJA. In NFIB, the Supreme Court held the Individual Mandate was unconstitutional unde...
by bottlecap
Fri Dec 14, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2822

Re: Is it difficult to change a baby's legal name?

You will not change it. You will have called that little baby X from day 1 and you will not be able to imagine him as any other name. Fine to use first or middle or a nickname version but whatever you call him when you talk to him will have to be kept. This. Both those names are good names. Pick on...
by bottlecap
Fri Dec 14, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5014

Re: Forgoing health insurance

Another of these threads ... again Just take a hit of full cost for 2019, rearrange your assets so that you can qualify for largest possible subsidy in 2020 and beyond. And you are set. Why are people so lazy? Sorry, not feeling charitable today especially for people you consciously decide to foreg...
by bottlecap
Fri Dec 14, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5014

Re: Forgoing health insurance

I don't have health insurance any more. My wife and kids do, because it is somewhat affordable if you don't buy an ACA "compliant" plan. I'll probably look into it, but I'm not concerned.

All our assets are protected.

Bankruptcy is not a big deal.

JT
by bottlecap
Thu Dec 13, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Buy now or wait?
Replies: 13
Views: 1197

Re: Buy now or wait?

I think he's giving people too much credit. JT If that’s the case then his hypothesis would be true. Giving people too much credit would be thinking that the tax changes are already priced in. I do not assume that people will look at their taxes and decide that owning real estate is a financial mis...
by bottlecap
Thu Dec 13, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 80
Views: 3620

Re: Should I buy a Tesla?

Go for it. You didn’t need to ask.

JT
by bottlecap
Thu Dec 13, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Buying used car
Replies: 25
Views: 1154

Re: Buying used car

Does it have the service records? The one knock on the Odyssey’s are the transmissions (as mentioned above). I’d make sure that the transmission oil was changed at the manuafacturer's recommended mileage or, even better, more frequently. Otherwise, 74,000 miles on a Honda is not much. Edit: Really, ...
by bottlecap
Thu Dec 13, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2605

Re: Should this doctor pay damages for malpractice?

Many states have laws protecting medical providers from suits by folks that have been injured. Fairly sure malpractice is an acceptable cause of action in every state. For your education: Many states regulate suits brought against medical providers to discourage patients from bringing suit and to m...
by bottlecap
Thu Dec 13, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Ok to invest in an LLC?
Replies: 27
Views: 1214

Re: Ok to invest in an LLC?

Talk to a lawyer In Your state to determine your potential liability.

Financially, kiss that money good-bye the minute you invest. It might turn out, but too often doesn’t.

JT
by bottlecap
Thu Dec 13, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Buy now or wait?
Replies: 13
Views: 1197

Re: Buy now or wait?

I think he's giving people too much credit. JT If that’s the case then his hypothesis would be true. Giving people too much credit would be thinking that the tax changes are already priced in. I do not assume that people will look at their taxes and decide that owning real estate is a financial mis...
by bottlecap
Thu Dec 13, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Will the 2008 recession help avoid severity of the next recession?
Replies: 39
Views: 2257

Re: Will the 2008 recession help avoid severity of the next recession?

The answer to your question is no. If you assume that fear worsens recessions, people demonstrating fear in the past does not inoculate them from fear in the future.

JT
by bottlecap
Thu Dec 13, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2605

Re: Should this doctor pay damages for malpractice?

Do you feel this constitutes malpractice? Accidents happen. It probably would not be beneficial to pursue a malpractice action. Gill I’m not a dentist, but if it is malpractice, but it's also probably not worth pursuing. Many states have laws protecting medical providers from suits by folks that ha...
by bottlecap
Thu Dec 13, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1162

Re: Bathroom scale

Trick question. After about 5 years you will need to have the latest advanced safety features on the new scales or your family is sure to pay the consequences.

Just buy a $20 scale every 5 years.

JT
by bottlecap
Thu Dec 13, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Buy now or wait?
Replies: 13
Views: 1197

Re: Buy now or wait?

I think he's giving people too much credit.

JT
by bottlecap
Thu Dec 13, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 80
Views: 3620

Re: Should I buy a Tesla?

You can afford it, but I would worry about lifestyle creep almost before I got my first paycheck. Be honest with yourself, too. You are 26 and say you are attracted to the car for old people reasons. Really? That said, at 26, advanced safety features don’t hurt, and might be well worth the $40k. Goo...
by bottlecap
Thu Dec 13, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 92
Views: 7152

Re: Is a New Car Okay if Driven 15+ Years?

I think a new car is fine from a financial perspective if you actually keep it 12 to 15 years. Especially if he does his own maintenance and is good about it. Most people just pretend they will keep it that long to justify the purchase, but it sounds like you guys are legit. This is even more true i...
by bottlecap
Thu Dec 13, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: How to tell if online watches are legit?
Replies: 15
Views: 1003

Re: How to tell if online watches are legit?

The review says it doesn’t look exactly the same color as the picture. That doesn’t mean it's fake. Often the colors In the picture are slightly off. The seller gets a 98% rating. And Walmart sells this for about $360, other places less. It’s likely not fake, but might not be the exact same color in...
by bottlecap
Tue Dec 11, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Target funds
Replies: 3
Views: 406

Re: Target funds

Typically they are included and there is no extra fee.

JT
by bottlecap
Fri Dec 07, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Auto refinance
Replies: 12
Views: 471

Re: Auto refinance

I doubt you'll get a better rate on financing for a now-used car, but I could be wrong.

JT
by bottlecap
Fri Dec 07, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Health insurance outside Obamacare exchange
Replies: 12
Views: 919

Re: Health inurance outside Obamacare exchange

Its not clear to me what you're asking, but if a plan is ACA compliant, there's usually no real difference in coverage. In my state, the prices didn't seem any different when I looked. The network of providers may have been, though.

JT
by bottlecap
Thu Dec 06, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 359
Views: 20538

Re: What are others paying for property taxes around the US?

Conclusions 1. There's a big range in taxes, whether calculated based on value, size, or whatever. 2. You have to pay to play. Do you want good schools, good roads, short commute, nice environment? It's gonna cost you in house price and in taxes. 3. The options become much broader if you are not wo...
by bottlecap
Tue Dec 04, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2355

Re: Looking for a nice travel watch... recommendations?

Getcha two - one for the boat, one for the water. I got mine for $60 and $45, respectively. Canvas and synthetic bands.

https://www.amazon.com/Seiko-SNK809-Aut ... B002SSUQFG

https://www.amazon.com/Casio-MDV106-1AV ... B009KYJAJY

Happy cruising!

JT
by bottlecap
Tue Dec 04, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 182
Views: 19586

Re: Best values at Costco? Honestly, a little disappointed...

Many can't figure out that when the tank fill is on the opposite side of the car, the Costco hose reaches fine. That's Darwin's law in action, you get to see whether your fellow man/woman has a brain (most don't). Oh my god, yes. I thought I was the only one driven crazy by those people. Costco has...
by bottlecap
Tue Dec 04, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Refusing to pay rent until maintenance is performed
Replies: 16
Views: 2192

Re: Refusing to pay rent until maintenance is performed

No. It usually doesn't work that way. Check your local laws, though.

JT
by bottlecap
Mon Dec 03, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 182
Views: 19586

Re: Best values at Costco? Honestly, a little disappointed...

Costco's fruit is many times better quality than found in the grocery stores in our area. Costco's furniture is of good quality and a decent price. 80% of the furniture we have in our home is from Costco. Most is going on 8 years and still looks good. There are good deals on clothes, especially chil...
by bottlecap
Sun Dec 02, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3026

Re: Has anyone on this board painted over wallpaper?

Remove it yourself. It’s not rocket surgery.

Don’t paint over the wall paper. Do it right.

Good luck,

JT
by bottlecap
Sat Dec 01, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3855

Re: Best new Mac/features for 2000-3000

Good Lord. We just replaced our gifted iMac with a PC desktop and a 32 inch monitor for about $500. The iMac is expensive. It's fine for a few years and then it bogs down. In 4 years when this PC slows down, we will replace for a few hundred bucks. An iMac would be another $2,000. Why on earth pay ...
by bottlecap
Sat Dec 01, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3855

Re: Best new Mac/features for 2000-3000

LOL on the "windows sucks" posts. Maybe 10 years ago the Apple IOS was better. In reality, there's little difference for most users now. Apples "suck", too. And they are far more expensive. Good luck and wait for some Christmas sales. JT I have a 1 year old Dell XPS 8920 desktop, loaded, intel i7, ...
by bottlecap
Fri Nov 30, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3855

Re: Best new Mac/features for 2000-3000

Good Lord. We just replaced our gifted iMac with a PC desktop and a 32 inch monitor for about $500. The iMac is expensive. It's fine for a few years and then it bogs down. In 4 years when this PC slows down, we will replace for a few hundred bucks. An iMac would be another $2,000. Why on earth pay f...
by bottlecap
Fri Nov 30, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3445

Re: Marriott Starwood Security breach - 500 million guests

Maybe I'm wrong, but the most important information they might have obtained is my credit card information. Big deal. My credit card company has a pretty tight grip on that stuff. My name, gender, and age is easily obtainable on a variety of public databases. This information can be found on almost ...
by bottlecap
Fri Nov 30, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4050

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

You took it to a dealer. You got the typical dealer response.

Dealers charge high prices and tell you need things you don’t.

Have an independent mechanic do it for half the price.

JT
by bottlecap
Thu Nov 29, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 17988

Re: Bogle Sounds a Warning on Index Funds

Some markets function with only a handful of active participants. I'm not worrying unless you can show me the number of participants that are required to permit a functioning stock market and you can demonstrate that the current market is shy of that number. We will just never get to that point. Eve...
by bottlecap
Wed Nov 28, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6594

Re: Restaurant Budget

We rarely go out any more. When we do, perhaps once a month, it costs at least $65 for two adults and 3 kids - and that’s no alcohol. I can cook a steak dinner with several vegetables at home for everyone for about $14, and that's an expensive dinner at home. If you are concerned about your budget, ...
by bottlecap
Wed Nov 28, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7432

Re: Employeer taking vacation days on public holidays - is this legal or normal?

The only real issue here is docking a PTO day on a Saturday you wouldn’t ordinarily work. This is the equivalent of making a Monday through Friday worker subtract a PTO day for not working a Saturday. I agree. It’s one thing not to get paid for a public holiday when the office is open, another to g...
by bottlecap
Tue Nov 27, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Bogleheads Greatest Hits
Replies: 27
Views: 3657

Re: Bogleheads Greatest Hits

So this is a greatest hits list of your favorite posts that you made and terms that you coined?

I’ve never dwelled on my past posts to think about it, no less make a list of them to publish as my favorite.

JT
by bottlecap
Mon Nov 26, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 73
Views: 11333

Re: Worst investing year ever....

Perhaps it's not that asset prices that are highly correlated, but that overall price inflation has shown up in assets across the board.

Something to think about.

JT
by bottlecap
Sat Nov 24, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: How many vacations per year is optimal?
Replies: 53
Views: 4683

Re: How many vacations per year is optimal?

I can’t believe this is a thread. Balance how many you want with what you can afford.

JT
by bottlecap
Wed Nov 21, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: predatory lending
Replies: 11
Views: 1958

Re: predatory lending

The power of the state is a scary thing. But even more scary is that such power concentrated in the hands of bureaucrats is heartwarming to most. The bottom line, however, is that what is described in the article is fraud. There are laws against that, even in New York. I find it hard to believe that...
by bottlecap
Wed Nov 21, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Help me winterize my Civic
Replies: 14
Views: 1264

Re: Help me winterize my Civic

I grew up in the Northeast and in a fairly rural area. We never used snow tires.

Unless you regularly drive in places where plows can’t go, winterizing cars means using winter windshield washer fluid and putting a snow scraper in the trunk.

With a Civic, my guess is that's all you need to do.

JT
by bottlecap
Wed Nov 21, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 41
Views: 2412

Re: Opinion Required

Why not just adjust your asset allocation to include more bonds? If this gets you skittish, you have taken on too much risk. Market timing, especially going from near 100% stocks to 100% cash, rarely works out well. It will put you in perpetual predicaments down the road Being in the industry probab...
by bottlecap
Mon Nov 19, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: How This All Happened (to the US economy)
Replies: 44
Views: 7391

Re: How This All Happened (to the US economy)

Sorry, I don't see anything original here.

JT
by bottlecap
Fri Nov 16, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3641

Re: Home sale etiquette: wall repair

As long as the holes were there when they saw the place before buying, leave it.

I had a seller remove the drapes and leave torn up drywall after we saw and bought the place. They had to fork over some money for that.

JT
by bottlecap
Fri Nov 09, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Multiple Scenarios
Replies: 7
Views: 650

Re: Health Insurance - Multiple Scenarios

I'm assuming you have high deductibles and that you all are relatively healthy.

If so, health sharing and/or short term polocies are the way to go.

It stinks, but the alternative is crippling.

JT
by bottlecap
Thu Nov 08, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: Stock markets not at all time highs
Replies: 19
Views: 2503

Re: Stock markets not at all time highs

The Chart has no explanation. What good is it?

JT
by bottlecap
Thu Nov 08, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7460

Re: Too many choices for my next TRUCK

I don't know how the ecoboost gimmick works with the Ford trucks, but I'd feel comfortable with the Ford over the Nissan for reliability. The Tundra probably has a leg up in this area, though.

JT
by bottlecap
Thu Nov 08, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2118

Re: New Treadmill - Proposition 65 Warning Label

If you had to purchase the air you breathed in California, it would have to come with a Prop 65 warning.

It is a meaningless sticker to be ignored.

JT
by bottlecap
Thu Nov 08, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Honda Insight, MSRP vs. actual price
Replies: 1
Views: 261

Re: Honda Insight, MSRP vs. actual price

If you are ready to buy, email 5 or 6 dealerships asking for their best out the door price.

This will give you an idea of whether the vehicles sell at any discount to MRSP.

If it's a popular vehicle that moves quickly, it probably won’t sell at any discount.

JT