Search found 5327 matches

by bottlecap
Mon May 21, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 2330

Re: Time For New Car?

It's a personal preference. But if the engine and transmission are doing well, I chalk the other stuff up to routine maintenance.

Yours has been a bit more than just routine, especially for an Acura.

The crappy looks (fading/peeling paint) would be more of a concern to me.

JT
by bottlecap
Wed May 16, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9704

Re: how do you tip on wine at a restaurant

Why tip on what you consider to be the retail value of the bottle? You don't tip on the retail value of the food. The server probably paid plenty of attention to keeping your glasses full. It was probably more demanding than bringing out your food. I generally tip 15 to 20% of the total bill, usuall...
by bottlecap
Wed May 16, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2192

Re: Why this problem never gets fixed

Healthcare is regulated by politicians. Healthcare prices are subsidized by politicians through tax policy. Health insurance is regulated by politicians. The price of healthcare insurance is regulated. The contents of healthcare plans have been set by politicians. Many healthcare prices are set or h...
by bottlecap
Tue May 15, 2018 8:43 pm
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 27
Views: 1489

Re: Would you be willing to temporarily change your AA?

Your strategy is very risky. It first assumes you'll have the guts to buy when there is blood in the streets. Second, it assumes that even if you have the guts, you will choose the correct exit and reentry points. Many have tried. The overwhelming majority have failed. Perhaps you will be the except...
by bottlecap
Tue May 15, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4309

Re: New motorcycle rider

Buy lots and lots of insurance that will cover you when the other driver's coverage runs out. Remember roads are built for cars and the mirrors on cars are designed to permit drivers to see other cars, not motorcycles. Godspeed. JT P.S. Someone mentioned you have a child. Make sure you have life ins...
by bottlecap
Tue May 15, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2832

Re: Brake work estimate

Seems fair if you actually need new rotors.

JT
by bottlecap
Tue May 15, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Ratio of car repair cost to car's value?
Replies: 17
Views: 1381

Re: Ratio of car repair cost to car's value?

On an older car, I’ve repaired for the value of the car, maybe even a little more.

As others have said, it’s more about the remaining life than the vehicle's value.

JT
by bottlecap
Sat May 12, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 26
Views: 2063

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Tdubs wrote:
Sat May 12, 2018 6:09 am
Kia and Hyundai have much better warranties than the Japanese cars.
You’re probably best sticking with a Corolla, but do look at Kia and Hyundai.

JT
by bottlecap
Wed May 09, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: When to replace a car windshield
Replies: 27
Views: 1680

Re: When to replace a car windshield

When you get more than the occasional bug in your teeth. When you can hear the radio in the car next to you better than you can hear yours. When a mime approaches at a stop light and offers to pretend to wash the area where your windshield once was. Seriously, I looked into doing this a couple of ye...
by bottlecap
Wed May 09, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6946

Re: Gold ball cracked my house window. Do I have any recourse?

Keep the ball as an investment. Gold should have a negative correlation to stock market movements. As others have said, check with your HOA and/or insurance. Unless you were able to find the golfer attached tot the ball, these are your only options. Thankfully, most windows on golf courses aren't th...
by bottlecap
Wed May 09, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 40
Views: 2865

Re: How to remove garden hose nozzle that is stuck on a hose

1. PB Blaster;
2. Two vise grips or 2 pair of pliers;
3. New hose and nozzle for $20.

JT
by bottlecap
Wed May 09, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Spark Plugs only vs Tune Up?
Replies: 29
Views: 1900

Re: Spark Plugs only vs Tune Up?

I am a newbie to self maintenance on cars. My 2006 corolla is running at 123K. During an oil change, the tech recommended spark plugs replacement along with Valve Cover gaskets near them. Could any experts chime in as to the need/usage / ease of changing these valve cover gaskets? As for spark plug...
by bottlecap
Wed May 09, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1600

Re: Another Vehicle Question

Well, technically, the answer is you shouldn't. Get a 2017 and save tens of thousands of dollars.

$80k seems high and the used Expeditions in my area sell for maaaaybe $40k and that's with very low mileage.

JT
by bottlecap
Wed May 09, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Starting to Invest for 1yr old daughter
Replies: 19
Views: 2163

Re: Starting to Invest for 1yr old daughter

Skip it, aside from perhaps a 529. A child does not need an investment account or money. You do.

JT
by bottlecap
Tue May 08, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5940

Re: How much car to buy on $250K income, $200K NW, newborn on the way

dustinst22 wrote:
Tue May 08, 2018 4:58 pm
bottlecap wrote:
Tue May 08, 2018 10:56 am

I’m certain that 90% of people shopping for cars don’t start with calculating a budget.

JT
This is very likely true, and why most Americans are in horrible financial shape.

Starting with a budget for a major purchase is the smart thing to do.
Will be paying cash.
by bottlecap
Tue May 08, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5940

Re: How much car to buy on $250K income, $200K NW, newborn on the way

If a $5,000 10+ year old wagon will really meet your needs, I'd start there. Then see what a similar new wagon costs and you've narrowed your range. If you want an arbitrary rule of thumb: 25% of your annual income. Why? Because its arbitrary! But it doesn't really narrow your range down much to be ...
by bottlecap
Tue May 08, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2438

Re: Happy 89th birthday to Bogle

Happy birthday, Mr. Bogle! Thanks for everything you've done and continue to do!
by bottlecap
Tue May 08, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Spark Plugs only vs Tune Up?
Replies: 29
Views: 1900

Re: Spark Plugs only vs Tune Up?

To me, a "tune up" nowadays would consist of replacing the plugs and wires, nothing else. I'm not an expert, but as others have suggested, what else is there to do on a modern vehicle?

JT
by bottlecap
Tue May 08, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 4996

Re: Buying new car or buying used car

In theory, there would be no difference. A used car would depreciate according to the reduction in its useful life. In reality, I think there are two problems: A) People often say they will buy new and drive a car "into the ground," but 99.5% of people never actually do this. B) Perhaps related to A...
by bottlecap
Tue May 08, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4859

Re: Tires: Where to Get? Warranty? And Questions?

I've never heard of Tire Pro, but they are not honest if that's what they say about Costco. And they aren't doing anyone any favors by replacing just one tire at a discount, either. If it can't be repaired, you have to buy another one at Costco, but they give you a matching new tire at no cost on th...
by bottlecap
Tue May 08, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5940

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Why are you going at this backwards? Find out what type of car you need, do research, look at the prices, and go take some test drives. The. Decide what is out of your price range. Nobody says, “How much should I spend on groceries every week based on my income?" Why do that with a car unless you d...
by bottlecap
Tue May 08, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5940

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Why are you going at this backwards? Find out what type of car you need, do research, look at the prices, and go take some test drives. The. Decide what is out of your price range. Nobody says, “How much should I spend on groceries every week based on my income?" Why do that with a car unless you di...
by bottlecap
Sun May 06, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7889

Re: What career for smartest kid in the class?

Accounting. Take a look at what accounting professors get paid in Tennessee by going to the link and clicking on the salary column: https://www.knoxnews.com/story/news/databases/2017/09/19/university-tennessee-system-salaries-2017/678440001/?appSession=46T7VT683818R221932VS36N2OJHE755693N2625QV67AXC...
by bottlecap
Sun May 06, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4584

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Doesn't make any sense on any level.

It will complicate your finances and taxes and provide no benefit.

JT
by bottlecap
Thu May 03, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5183

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Jeep would be out for me. I like some of their vehicles, but their reputation for (un)reliability scares me away.

And I am presently on a 1,200 mile business trip with my 18 year old Ford. So I don’t scare easy.

JT
by bottlecap
Wed May 02, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Keyboard key labels wearing off...
Replies: 19
Views: 1203

Re: Keyboard key labels wearing off...

Clear nail polish.

JT
by bottlecap
Wed May 02, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10054

Re: Have you quit eating sugar? Tell me how!

Don't shop hungry and don’t buy it. It’s far easier to resist something in the store than in the cupboard.

Anyway, I am more likely to eat something like than if it’s in the house.

JT
by bottlecap
Tue May 01, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Healthcare Sharing?
Replies: 30
Views: 2620

Re: Thoughts on Healthcare Sharing?

Anyone use one of these "policies"? Saw this and thought it was intriguing: http://clubthrifty.com/liberty-healthshare-review/ Don't do it!!!!! It is not insurance. You are paying into a system that you HOPE will help you when you need it , providing your needs are not too much and they feel like h...
by bottlecap
Mon Apr 30, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car (need to find a Boglehead way)
Replies: 34
Views: 2680

Re: When to buy a new car (need to find a Boglehead way)

If you want a new car, buy one.

Otherwise, check back in once you hit 150,000 miles and tell us what you’re thinking.

JT
by bottlecap
Mon Apr 30, 2018 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Salary, take-home, adjusted gross income, and wages
Replies: 12
Views: 2591

Re: Salary, take-home, adjusted gross income, and wages

When talking salary, people refer to gross.

I don't know why your numbers don't add up.

JT
by bottlecap
Sun Apr 29, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 2978

Re: When would you replace a car?

I can't believe there is so much debate over replacing a car with $200K miles on it which also no longer meets your needs. I would splurge on a good quality used car that fits your (revised) budget. With a baby on the way, you really need two reliable cars. gasdoc I guess it would depend on how you...
by bottlecap
Sat Apr 28, 2018 3:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 313
Views: 30560

Re: Paid Off Mortgage Today

Congratulations! Not quite there yet myself....
by bottlecap
Sat Apr 28, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 2978

Re: When would you replace a car?

I don’t get scared of major repairs. They are rare even on high mileage cars. And I don’t care if you car is worhless. My vehicle has been worth salvage value for at least five years now. However, babies need heat in the cold weather and cool in the hot weather. If you can’t fix the heat for a decen...
by bottlecap
Sat Apr 28, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Next steps after "basics"?
Replies: 21
Views: 2043

Re: Next steps after "basics"?

Welcome. It sounds like a taxable investment or savings account is the way to go. Don’t overthink it. Is this money you might need soon? If so go with savings or a money market account. Is it long term? Try the total stock market. Maybe something tax-managed. You can also buy up to $10,000 in I Bond...
by bottlecap
Sat Apr 28, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Do state taxes change for the 2018 tax year and beyond?
Replies: 15
Views: 844

Re: Do state taxes change for the 2018 tax year and beyond?

State taxes are separate and independent. No change in you state taxes unless your state legislature changes them.

JT
by bottlecap
Sat Apr 28, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: Can indexing be considered as active management ?
Replies: 21
Views: 1518

Re: Can indexing be considered as active management ?

You can consider it a hot fudge sundae.

But it works better than anything else.

JT
by bottlecap
Fri Apr 27, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 1514

Re: Extended Warranty for Honda Odyssey - worth it?

Are you a betting man (or woman)?

The dealer has done research, defined the rules, and put together a bet to offer you. The dealer thinks that, on average, it will win that bet.

So, I ask you. Do you feel lucky?

JT
by bottlecap
Thu Apr 26, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 20
Views: 1613

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

The tax credit is a subsidy to the manufacturer that permits them to sell more vehicles at an inflated price. As such, when the tax credit expires, the manufacturer will have to drop the price accordingly, or sell less cars. I don’t think you have anything to worry about after the tax credit expires...
by bottlecap
Wed Apr 25, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10181

Re: Wedding - financial burden on couple and attendees

Say you can’t get the time off from work. Offer to throw them a party for family and friends when they return.

Thanks what I’d do unless this was the vacation I wanted to take this year.

JT
by bottlecap
Wed Apr 25, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 3211

Re: New car pickup today.

Never buy anything from a dealer that you don’t have to.

That includes a car!

I’m only half-joking on the second statement.

You done good by declining both offers. You don’t need an extended warranty on a new car unless you couldn’t afford the car in the first place.

Good luck,

JT
by bottlecap
Wed Apr 25, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2205

Re: Do you have a car w/o ABS?

A lot of it depends on how you drive. My 18 year old daily driver does have ABS, but it’s probably been 10 years since they’ve been activated, even then only for a second. And I drive more cautiously now. I don’t drive in the rare instances of snow or ice in my area. So ABS is nice to have, but not ...
by bottlecap
Mon Apr 23, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lawyers: Career Advice (Urban to Rural?)
Replies: 21
Views: 2096

Re: Lawyers: Career Advice (Urban to Rural?)

The ABA and state bar journals keep talking about a rural "lawyer shortage." They say that small towns have very few lawyers, and that the lawyers that do exist are within 5 years of retirement. The implication is that there is abundant work; that all you have to do is show up and write your payche...
by bottlecap
Mon Apr 23, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 1598

Re: IPhone Faulty Battery Diagnosis

Hence they try to scare you that they might confiscate it if there is evidence inside the phone that it had been dropped. I've never heard of such a thing in 10 years of owning various iPhones. How can they threaten to confiscate your property? Apparently by opening their mouths and saying the word...
by bottlecap
Mon Apr 23, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 1598

Re: IPhone Faulty Battery Diagnosis

Hence they try to scare you that they might confiscate it if there is evidence inside the phone that it had been dropped. I've never heard of such a thing in 10 years of owning various iPhones. How can they threaten to confiscate your property? Apparently by opening their mouths and saying the word...
by bottlecap
Mon Apr 23, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 1598

Re: IPhone Faulty Battery Diagnosis

The Apple store wanted you to buy another phone. They would then put a new battery in your old one and sell it for $350. Hence they try to scare you that they might confiscate it if there is evidence inside the phone that it had been dropped. I bet you’ve never been inside your phone for fear of voi...
by bottlecap
Sun Apr 22, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9317

Re: Boglehead Philosophy Open To Change?

I don't get what the question is. The whole post is a statement.

Which part of the philosophy?

Anything can change. Its just not likely to.

JT
by bottlecap
Fri Apr 20, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 7524

Re: Do you buy new or used cars?

If you can’t afford it, buy your wife a new car. It doesn’t matter if you feel irresponsible. It’s her car! Buying a new car is every bit an emotional decision. People come up with all sorts of “logical” reasons to buy new. They are not really any. People will pay an emotional premium to buy new. De...
by bottlecap
Thu Apr 19, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3624

Re: Good Dad, Bad Dad [pay for son's driving expenses (or not)]

The best thing for your son is for you to be the "bad Dad" in this scenario. But that’s easier said than done. Consider this, however: your son does not need a car for graduation. That’s a pretty big graduation gift, even for a stellar student. How about letting him go to college for a semester or t...
by bottlecap
Thu Apr 19, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4507

Re: Another discussion about private vs public schools?

I would make plans to eventually get into the better public school district.

There are lots of southern children from public schools that grow up to get at least PhD's.

JT