Search found 5496 matches

by bottlecap
Tue Aug 14, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 72
Views: 4690

Re: Retire in Florida or Alabama?

Florida is a great place. Fantastic beaches. My mother lives there. I have only been in northern and middle Alabama (wife's parents), so for all I know there may be some great beaches there, too. Other than that, from a retirement prospective: Florida: Higher property taxes Higher home insurance rat...
by bottlecap
Tue Aug 14, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 70
Views: 5012

Re: As an American, where are some great places in the world to retire?

At 61, he's old enough to decide himself. He's probably got a pretty good idea already, having thought about it in the decision to retire. If he's expressed a desire to just pick up and leave, and asked you for suggestions, why not just travel to a bunch of places and see if one strikes his fancy? JT
by bottlecap
Tue Aug 14, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 40
Views: 5103

Re: Asked my advisor about fees and here's their reply

What you’re paying is fairly standard. But that doesn’t mean it’s a good deal. The only thing your advisor has done for you is protect you from yourself and charged you handsomely for it. If you want to do things yourself and move to low cost funds, you can. Just educate yourself here and let it sin...
by bottlecap
Sun Aug 12, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 39
Views: 2972

Re: Cleaning gas grill

I use a wooden scraper, but have never had an issue with wire brushes. Just inspect before you put food on.

Twice a year I scrape all the innards of my Weber (except grates) with a putty knife.

It gets heavy use all year round and this keeps it functioning well.

Good luck,

JT
by bottlecap
Thu Aug 09, 2018 7:01 am
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4215

Re: If it were March, 2000, would you still allocate 50% to Stocks?

Your presumption that Shiller's metric can predict what happened in 1929 is faulty.

If there was some magic metric with which one could predict the economy or the stock market, we'd all be rich. Either that or stock market trading would co e to a screeching halt.

JT
by bottlecap
Wed Aug 08, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Cell phone battery pack, cancer warning?
Replies: 15
Views: 854

Re: Cell phone battery pack, cancer warning?

Science may eventually prove the State of California right in a few cases.

But it requires the label on a multitude of products, and you'll never know in advance which ones should have been taken seriously.

JT
by bottlecap
Tue Aug 07, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3504

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

I'd doubts that promise #2 is enforceable, but it depends on your jurisdiction.

JT
by bottlecap
Mon Aug 06, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Watch winder that does not require strap?
Replies: 3
Views: 336

Re: Watch winder that does not require strap?

That’s a nice looking watch.

From what I’ve read winders are unnecessary.

I have a Seiko 5 and I just reset the time if I haven’t worn it for a few days. Not a big deal.

JT
by bottlecap
Sun Aug 05, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6906

Re: "Skin in the game"

I agree with you. It depends on the kid. Someone who is serious enough about school and has a modicum of maturity need not have "skin in the game". And let’s face it, "skin in the game" for many 18 year old means student loans, which is delayed "skin in the game" that they will only understand/regre...
by bottlecap
Sun Aug 05, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6250

Re: Minivan Vs SUV Experience

Geez. Maybe SUV threads should be banned like political threads. They similarly seem to devolve into hysterics....
by bottlecap
Fri Aug 03, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6250

Re: Minivan Vs SUV Experience

I never understood the “luxury” SUV. Or the “luxury” pickup. But they sell and fill some primordial need in us, I guess. The minivan, I get. JT Think of it this way. Let's say you buy a travel trailer and watch to see the country. Would you rather drive a bare-bones truck or something more premium?...
by bottlecap
Fri Aug 03, 2018 11:36 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3404

Re: How did you become a Boglehead?

Burned in 2000, started to get serious, and found them on the interwebs. Thank God. And the Bogleheads!

JT
by bottlecap
Fri Aug 03, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 3990

Re: Ticks and common sense?

I spent my entire youth in the woods, largely without bug spray. Had a few ticks, but no problems. I don't know your age, but keep in mind that in most areas, the deer tick problem has gotten exponentially worse in recent years. When I was a kid, Lyme disease didn't really exist outside of a few is...
by bottlecap
Fri Aug 03, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6250

Re: Minivan Vs SUV Experience

I never understood the “luxury” SUV. Or the “luxury” pickup. But they sell and fill some primordial need in us, I guess. The minivan, I get. JT I think perception of status, safety and prestige are what drives luxury SUV sales. Also general observation regarding the non-boglehead demographic; most ...
by bottlecap
Fri Aug 03, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4401

Re: Which diet soda pop do you enjoy?

I drink soda water whenever available. And it’s free when I’m in a restaurant!

JT
by bottlecap
Fri Aug 03, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 3990

Re: Ticks and common sense?

I spent my entire youth in the woods, largely without bug spray. Had a few ticks, but no problems. Tick-bourne illnesses can be serious, no doubt, but I tend to think they are low probability events that we read about a lot in the media. A few things have to happen and then you have to be really unl...
by bottlecap
Fri Aug 03, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6250

Re: Minivan Vs SUV Experience

I never understood the “luxury” SUV. Or the “luxury” pickup. But they sell and fill some primordial need in us, I guess.

The minivan, I get.

JT
by bottlecap
Fri Aug 03, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: New here and looking for investing advice...
Replies: 7
Views: 280

Re: New here and looking for investing advice...

I think your plan is fine, although the small cap value tilt is just a hope to do better than the market. That kind of thing doesn’t interest me.

You have access to some low cost Spartan funds and even the Fidelity 4 in 1 fund.

You are going to have some bonds, right?

JT
by bottlecap
Thu Aug 02, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Storing Cord Blood For New Baby
Replies: 13
Views: 1545

Re: Storing Cord Blood For New Baby

We didn't do it for any of our kids. They'll just have to deal with whatever comes at them like we did in the good 'ol days. Seriously, it seems like a hard sell and mostly a put on. As explained to me, the potential benefits I could see never rose above the level of speculative. Just save the place...
by bottlecap
Thu Aug 02, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 1790

Re: Vehicle Leasing...Again ;)

$3600/year for the leased vehicle doesn't seem expensive to me because even if you sell the financed vehicle for 25k as suggested that's still $2500/year to keep the financed vehicle. That neglects to account for average market returns and maintenance that you had to spend on that vehicle too thoug...
by bottlecap
Thu Aug 02, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6014

Re: Co - signed a Mortage, Now wants out

That bank wants to keep you on for the same reason you want to be off: They are uncomfortable with the risk of default and know you have something to lose if your brother in law doesn't pay. I'm not saying it can't be done, but I can't see why the bank would agree. If you have reason to be nervous o...
by bottlecap
Thu Aug 02, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicle Leasing...Again ;)
Replies: 23
Views: 1790

Re: Vehicle Leasing...Again ;)

You are making this too complicated. First, the market could do anything in the next two years. Why do you assume it will go up? Even if it does, you aren't even getting to lump sum that money. If it does go up, you are unlikely to get the full market return. Most times, market investment of the dif...
by bottlecap
Thu Aug 02, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Lease/ buy a second car for cost savings?
Replies: 18
Views: 680

Re: Lease/ buy a second car for cost savings?

In most areas, buying a second car is not going to save you money, but math is math. Using figures of 25 mpg and 40 mpg, it will save you about 425 gallons of gas a year. Assuming depreciation is the same, are extra maintenance, extra insurance, and extra taxes and registration worth that? Do you ha...
by bottlecap
Thu Aug 02, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Time to sell my 2003 Accord?
Replies: 33
Views: 2057

Re: Time to sell my 2003 Accord?

Maintenance is not a reason to get rid of a car. However, it can be an excuse if you don’t want it anymore. I’d repair if I liked the car and wanted to drive it some more. It’s cheaper than a new one and you can sell it anytime you decide to. JT For those of us who are not auto mechanics nor care t...
by bottlecap
Wed Aug 01, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Time to sell my 2003 Accord?
Replies: 33
Views: 2057

Re: Time to sell my 2003 Accord?

Maintenance is not a reason to get rid of a car. However, it can be an excuse if you don’t want it anymore.

I’d repair if I liked the car and wanted to drive it some more.

It’s cheaper than a new one and you can sell it anytime you decide to.

JT
by bottlecap
Wed Aug 01, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6704

Re: DW job in dangerous area

This is completely subjective, so personal opinions and statistics don't matter. People that fear flying aren't told to take jobs as airline stewards because, statistically, flying is safe. You have to be comfortable with it and, more importantly, your DW has to be comfortable with it. If you will b...
by bottlecap
Tue Jul 31, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1491

Re: Settle my claim or elevate issue

No, you are very likely not entitled to money for inconvenience.

I’m not aware of any state that would permit you to recover for that.

It’s probably disclaimed in the contract you have anyway.

Your car is restored. Let it go.

JT
by bottlecap
Tue Jul 31, 2018 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5774

Re: Financial upside / downside of marriage vs cohabiting

Your divorce rates are off and, since it only takes a few seconds on Google to see why, I have to assume you are simply using the-oft cited but misleading statistic as a justification not to get married. You also made a promise to get married and presumably your SO stayed with you on that promise. O...
by bottlecap
Fri Jul 27, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3320

Re: Decision for Stay at Home Wife?

Worth it if she wants to do it and you can afford it, definitely. Don’t worry about socialization. Unless a person has an unsocial personality, we all get socialized. Although it won’t seem it at first, one baby is actually pretty easy compared to two or three kids. They can’t crawl, nap several tim...
by bottlecap
Fri Jul 27, 2018 9:59 am
Forum: Local Chapters and Bogleheads Community
Topic: RIP investor
Replies: 22
Views: 4053

Re: RIP investor

I am sorry to hear it, but thanks for letting us know.

JT
by bottlecap
Thu Jul 26, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Buying a used car..how many owners is too many owners?
Replies: 14
Views: 1279

Re: Buying a used car..how many owners is too many owners?

It would concern me, but I’m a buy and hold type of guy.... many others aren’t. I would fear there is something wrong that caused each owner to sell. Maybe not something huge, but something. The big problem is that you can only talk to the present owner, who is the least likely to be truthful! JT
by bottlecap
Thu Jul 26, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford it"?
Replies: 42
Views: 3893

Re: Yet another "can I afford it"?

There is no question that you can afford it. Although I haven't run numbers and just assume that your retirement projections are accurate.

JT
by bottlecap
Thu Jul 26, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9234

Re: Toughest Purchase of my Life. Engagement Ring time

If she will like it and you can afford it, get it. She will wear it every day and it will be well worth it.

If she doesn’t like it, most places give you a certain time to return or exchange. I don’t know about Blue Nile.

Good luck,

JT
by bottlecap
Thu Jul 26, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: FCA stock drops 15% following Marchionne's death: another argument against market cap weighting?
Replies: 45
Views: 3622

Re: FCA stock drops 15% following Marchionne's death: another argument against market cap weighting?

If CEOs of companies represented in equal weighted indexes don’t die, then I want to be the CEO of one of those companies. This is a rare event. Markets overeact. It will be noise in the end. Equal weighting many reduce the overall short term affect of a large cap company CEO suddenly dying, but it ...
by bottlecap
Thu Jul 26, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 2849

Re: How to make opened bottles of wine last longer

I put it in the fridge with the cork back in or top screwed back on. White wine is still pretty good the next day, but not so good the day after that. Drinkable maybe, but noticeably not fresh. I think red wine keeps a litter better and still might be good enough the third day. In my experience, the...
by bottlecap
Wed Jul 25, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7804

Re: Son Hurt at Summer Camp

I have absolutely no clue what your talking about for most of that post. Dating? I have no clue why you have gone there. At no point have I ever expressed any romantic desires to anyone on this board. Sorry! I confused part of your post with T4REngineer's post below it. I only mean't to comment on ...
by bottlecap
Wed Jul 25, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7804

Re: Son Hurt at Summer Camp

So you think leaving a broom out (i.e. maintenance equipment) is an unexpected hazard? A broom, or a "hallway full of maintenance items"? I presume the OP is not lying. The OP did not ask my opinion as to whether the camp was in the wrong. So I did not change the facts. Your other question might he...
by bottlecap
Wed Jul 25, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7804

Re: Son Hurt at Summer Camp

Opinions to the contrary are not based in logic or reason. Only you can decide what is fair for your son. JT Not at all true. Based on your previous post: Your opinion is that it is not normal for children to lose their balance and if they do, there may be something wrong with them. Your opinion is...
by bottlecap
Wed Jul 25, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my auto loan?
Replies: 36
Views: 5630

Re: Should I pay off my auto loan?

Do what you feel you should. But I can’t begin to make heads or tails of it without knowing the interest rate.

I usually just pay cash, but I might take advantage of a rate less than expected inflation.

JT
by bottlecap
Wed Jul 25, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7804

Re: Son Hurt at Summer Camp

Your son is entitled to be made whole if someone else injures him, either intentionally or through stupidity. It sounds like stupidity might be at play here. Opinions to the contrary are not based in logic or reason. They are just strongly held beliefs. They don’t help you. Only you can decide what ...
by bottlecap
Tue Jul 24, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6744

Re: Daughter wants to travel on her own to Montreal

I’d encourage my daughter to go with a friend or two, unless she was a very savvy and experienced traveler.

18 is young and historically not considered the age of adulthood. And today’s kids are likely more immature than those in centuries previous.

JT
by bottlecap
Tue Jul 24, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Peak Oil, Reloaded?
Replies: 45
Views: 3745

Re: Peak Oil, Reloaded?

Everyone who wants to be “proactive” when investing always pretends that “this time it’s different” and thinks they are the only one to realize it. If things truly ever become different, it is extremely unlikely that you will make the right call. You will probably make the wrong call 9 times out of ...
by bottlecap
Mon Jul 23, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Real salary growth negative?
Replies: 45
Views: 4553

Re: Real salary growth negative?

There’s a lot of politics and incomplete economics in this thread. And that is NOT an opinion, because it is written down. It is true and there can be no debate or questioning of it, lol. If your wife has hit the ceiling and will get cost of living adjustments, it is based on some gauge of inflation...
by bottlecap
Sun Jul 22, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Real salary growth negative?
Replies: 45
Views: 4553

Re: Real salary growth negative?

You’re doing the math wrong because you are over estimating inflation - that is, if you believe the inflation measures are accurate. If your wife has topped out, she has topped out. Then she gets colas at whatever the government says she gets. Inflation vs. wage rate is a false measure when you get ...
by bottlecap
Sun Jul 22, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2569

Re: Rain shower

I like the rain shower. I want water to continually streamer over me when I’m trying to use water to get me clean. If I need to step out from under it, I do just that. I’m a relatively quick "showerer", though. If you want to sit in a steamy shower for 30 or 40 minutes and avoid getting your face we...
by bottlecap
Sat Jul 21, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: $1200 AC fix on a 2007 Civic
Replies: 22
Views: 1640

Re: $1200 AC fix on a 2007 Civic

I’ve done a similar repair on a similarly-aged vehicle. Still driving it 10 years later.

JT
by bottlecap
Thu Jul 19, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 8766

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

My wife’s father, his siblings, and a few other relatives inherited more than $50,000 a piece of stock in a company from a relative that worked there for 35 years. All told it was nearly $800,000.00. Everyone but his spendthrift sister held onto the stock. One brother bought her out. She almost cert...
by bottlecap
Thu Jul 19, 2018 1:06 am
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2236

Re: The other side of stock buybacks

"God forbid you give it back in the form of a dividend," he said. "While it may not be the most tax efficient, at least with dividends you let the shareholder decide what to do with the money." This made me laugh-like the shareholder is somehow prevented from selling shares to achieve the same goal...
by bottlecap
Thu Jul 19, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford private high school?
Replies: 20
Views: 1592

Re: Can I afford private high school?

It seems like you can do it as long as you have a trust fund to use for school and/or fall back on when you retire. Given your incomes for the past twenty years, the amount saved, your location, and the amount of your fixed expenses, I’m guessing that it would be very difficult to live on less than ...