Search found 5780 matches

by bottlecap
Mon Jan 21, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 76
Views: 3637

Re: Is it ever worth purchasing an extended warranty for a vehicle?

Yes, it is worth it when seller of the warranty wants to lose money.

Otherwise, if you have a sneaking suspicion that the seller wants to make money on the warranty it is seller, forget it.

JT
by bottlecap
Sat Jan 19, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8206

Re: Divorce w/child. Spouse wants to move.

Do you have a lawyer? I think you need one. Your spouse is essentially forcing you to move. By planning the move to a LCOL area before the divorce is final, your spouse may set you up to pay way more than your fair share. My fear would be paying child support and alimony based on the present income ...
by bottlecap
Thu Jan 17, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 118
Views: 10468

Re: Who Will Speak for US?

We will.

We are the consumer. We hold the power. We know what we want, thanks to Jack Bogle.

JT
by bottlecap
Wed Jan 16, 2019 6:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44871

Re: John Bogle is dead at 89

Thank you, Mr. Bogle. From what I can tell, you lived a full life. You sure helped a tremendous amount of people.

My prayers are with your family and those that knew you.

JT
by bottlecap
Wed Jan 16, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3919

Re: Any good reason to get a smartwatch?

This personal, so your responses are all over the map. For me: They are another expensive device to buy every few years that doesn't do anything your smartphone doesn't. No thanks. Buying/repairing a phone every two years is bad enough. They look dumb if they can't be made to look exactly not like a...
by bottlecap
Wed Jan 16, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7409

Re: When would you stop being a Boglehead?

Never. Why would it be anything else?

JT
by bottlecap
Wed Jan 16, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 10983

Re: Are You Dumping Netflix?

We are heavy users of the library and try to take advantage of what you said. However Amazon may be an exception (we don't have prime anymore) that does not put their shows on DVD. Grand Tour (Old Top Gear guys) is one that I'd love to watch the second season but I don't want to buy prime just for ...
by bottlecap
Wed Jan 16, 2019 12:14 am
Forum: Investing - Theory, News & General
Topic: "College Endowments Badly Trail The Market"
Replies: 18
Views: 1951

Re: "College Endowments Badly Trail The Market"

I notice how we don't get posts when things like the yale endowment returns 12% and 60/40 returns 9% (funny enough just about the same as the 30 year returns for those 2 assets) like the financial 2018 results but we do get posts every time it is reversed:) And no Yale wasn't an outperformer that y...
by bottlecap
Tue Jan 15, 2019 11:58 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 10983

Re: Are You Dumping Netflix?

I'm always confused about these "disgruntled consumer" threads when prices go up. These price increases typically don't even cover inflation since the last time the company increased prices. Yet no one gets mad at inflation. They get mad at businesses, like the businesses are trying to pull somethin...
by bottlecap
Tue Jan 15, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: "College Endowments Badly Trail The Market"
Replies: 18
Views: 1951

Re: "College Endowments Badly Trail The Market"

The secret is that the trustees of many colleges aren't willing to buck the traditional wisdom that a highly-paid expert is needed to manage investments. I've spoken to a few. Their unspoken main concern is not getting blamed for subpar endowment returns. So when their investments trail, the trustee...
by bottlecap
Tue Jan 15, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 10983

Re: Are You Dumping Netflix?

Don't be silly. I'd drop cable first.

JT
by bottlecap
Tue Jan 15, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Would like some advice on a family minivan
Replies: 17
Views: 1082

Re: Would like some advice on a family minivan

W got rid of our 2006 Odyssey this year for a 2018 Odyssey. Overall, it is a nice upgrade, but there are definitely some annoying things about it. The engine shuts off when we stop. It is horrible for quick stop start situations. The adaptive cruise control is quite annoying. I don't want to adapt ...
by bottlecap
Sat Jan 12, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5542

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Minivans with a sliding door are awesome. Your life will be SO much easier. Get 2nd row captain chairs, not a bench in the 2nd row. Keeps the kids apart, plenty of room to put a cooler right there between the kids. +1 for this situation -1 for this situation. Captain's chairs waste space. You will ...
by bottlecap
Sat Jan 12, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 3978

Re: Brake fluid replacement?

I don't know why a Lexus would be different from anything else, but changing it every three years should do the trick.

JT
by bottlecap
Fri Jan 11, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Best place to sell stuff?
Replies: 21
Views: 1620

Re: Best place to sell stuff?

I have a lot of things around my house that I do not use and want to sell. Things like clothes, books, electronics, tchotchkes, etc. What's the best platform to do this? eBay, Amazon, craigslist, other? I live in San Francisco, CA. Thanks. Look into a local website. We are in the process of doing t...
by bottlecap
Fri Jan 11, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5044

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by bottlecap
Fri Jan 11, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9766

Re: Disciplined with finances, but not so with diet

Shallowpockets wrote:
Fri Jan 11, 2019 9:22 am
Most replies here have to do with diet. But the truth is exercise.
You would think this is the case, but it is wrong. Unless you are exercising 5 or 6 hours a day, what you (don't) eat has a far greater impact on your weight.

Exercising has other benefits, of course.

JT
by bottlecap
Fri Jan 11, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9766

Re: Disciplined with finances, but not so with diet

This is easy. I just did this. One day I decided that my metabolism was slowing down and something had to give. I’m not a health nut, but mostly eat healthy. I just decided I was not going to develop a larg(er) gut. Figure out how many calories you should have in a day. Then eat less than that. I de...
by bottlecap
Thu Jan 10, 2019 8:27 am
Forum: Investing - Theory, News & General
Topic: Past result is not an indicator for future performance
Replies: 29
Views: 2037

Re: Past result is not an indicator for future performance

Please use the forum search tool. This question is asked every other week! Basically, the phrase applies to mutual fund investments. And it isn't a law of investing. It's just something that is true a large majority of the time. Asset class returns are not guaranteed, of course, but there are often ...
by bottlecap
Wed Jan 09, 2019 9:19 pm
Forum: Investing - Theory, News & General
Topic: Net net stocks
Replies: 13
Views: 1203

Re: Net net stocks

Benjamin Graham is not a secret, domestically or internationally. Not to knock him, but if his methods could return "25%+ yearly returns" in any market consistently, don't you think everyone would be doing it? And who would be letting every one else in on this secret? There are a million websites ou...
by bottlecap
Wed Jan 09, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3149

Re: Car Battery

Just buy a battery tender, hook it up and be done. No need to disconnect the battery from the vehicle. This. There are a lot of people in this thread that are overthinking this situation. Your fuel isn't going to go bad, you are highly unlikely to develop flat spots, your battery isn't going to exp...
by bottlecap
Wed Jan 09, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5044

Re: Diagnosing Knee Problems over the Phone - Medicare

My wife is in the healthcare field. The problem I think your wife is experiencing is that Medicare "don't pay enough" for many services "to pay the bills." So the office is trying to figure out on the front end whether a) Medicare will pay at all and b) your wife is likely to require services that w...
by bottlecap
Tue Jan 08, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12668

Re: Recommendations for a 9mm handgun

As others have said: 1. Take a beginner's class since you've never "owned or used" one before. Gun safety would seem obvious, but it is not. 2. You will also likely get to shoot a few different pistols during the class. 3. After the class, if you decide you still want to buy one, ask the instructor....
by bottlecap
Mon Jan 07, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 89
Views: 7241

Re: Child # 3 - seeking advice from older members

The pros are: You have a bigger family to share life with. Your kids have additional siblings to rely on. Maybe you'll get that girl, which will make your life experience even richer. But for the kids, having two brothers would be better than just one, should you have a boy. The cons are: Three kids...
by bottlecap
Fri Jan 04, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2683

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

So if the cost of repair goes up dramatically, so too must the price of the warrantys.

Have you thought about that?

JT
by bottlecap
Thu Jan 03, 2019 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Ever wonder if you are saving Too Much?
Replies: 67
Views: 5284

Re: Ever wonder if you are saving Too Much?

Do people really need to be reminded that there should be a balance between saving and spending?

It seems self-evident.

JT
by bottlecap
Thu Jan 03, 2019 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Ever wonder if you are saving Too Much?
Replies: 67
Views: 5284

Re: Ever wonder if you are saving Too Much?

No. I can spend it at any time. Once spent,it cannot be saved.

JT
by bottlecap
Wed Jan 02, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 47
Views: 7633

Re: Christmas Bonus: Etiquette

I would thank him either via email or phone call and let him know that I appreciate the fact that he appreciates my work. The method doesn't matter unless it would matter to the recipient.

JT
by bottlecap
Wed Jan 02, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does this car repair quote seem reasonable???
Replies: 19
Views: 1347

Re: Does this car repair quote seem reasonable???

Sounds like a dealer quote. Am I wrong?

JT
by bottlecap
Wed Jan 02, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: HE Washer/Dryers - What do you have..are you pleased?
Replies: 33
Views: 2309

Re: HE Washer/Dryers - What do you have..are you pleased?

We have an LG front load.

Works okay, LG ain't a bad brand. But my wife says she's going back to top loaders next time. Moisture and mold is not insurmountable, but it's a pain in the butt.

JT
by bottlecap
Wed Jan 02, 2019 8:49 pm
Forum: Investing - Theory, News & General
Topic: What do you think of this advice?
Replies: 62
Views: 4226

Re: What do you think of this advice?

So dumb, I ain't even going to click on the link.

JT
by bottlecap
Wed Jan 02, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tithing by Proxy (Legal Tax Avoidance?)
Replies: 32
Views: 1612

Re: Tithing by Proxy (Legal Tax Avoidance?)

I’m not sure why TLH would be in trouble vis a vis the step transaction. Well, this is a new area for me, but most boglehead postings about TLH express a desire to have (a) essentially identical holdings before & after, and (b) a tax loss. Since (a) is the "substance", the "steps" (the sale of X an...
by bottlecap
Wed Jan 02, 2019 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Returns Extremely Disappointed
Replies: 44
Views: 5047

Re: Vanguard Returns Extremely Disappointed

If you invested in an index, you got exactly what you bargained for.

If you invested with an active fund, you got exactly what you bargained for.

If you think Vanguard had anything to do with your results, you are mistaken, and perhaps it’s time to go back to your investment learning.

JT
by bottlecap
Wed Jan 02, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tithing by Proxy (Legal Tax Avoidance?)
Replies: 32
Views: 1612

Re: Tithing by Proxy (Legal Tax Avoidance?)

OP, what you are suggesting is tax fraud. I’m somewhat familiar with the step transaction doctrine, but his doesn’t even get there. It's just fraud.

I wouldn’t touch it with a 99 and 1/2 foot pole.

JT
by bottlecap
Sun Dec 30, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Question after reading "The Bogleheads' guide to investing"
Replies: 11
Views: 1202

Re: Question after reading "The Bogleheads' guide to investing"

Welcome! 1. Past performance of individual funds is not predictive of future performance. There is some predictive power in the past returns of asset classes. There are also good reasons supporting historical asset class returns. Stocks return more than bonds over time, for instance, because economi...
by bottlecap
Sun Dec 30, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a family SUV.
Replies: 63
Views: 2530

Re: Looking for recommendations on a family SUV.

They pretty much all look like minivans to me. You might as well get the real thing.... https://file.kbb.com/kbb/vehicleimage/evoxseo/xl/13030/2019-honda-pilot-front-angle3_13030_089_480x360.jpg https://file.kbb.com/kbb/vehicleimage/evoxseo/xl/12974/2019-subaru-outback-front-angle3_12974_089_480x360...
by bottlecap
Sun Dec 30, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a family SUV.
Replies: 63
Views: 2530

Re: Looking for recommendations on a family SUV.

It seems you only have one vehicle. I can't believe I'm going to say this, but even if it is going to be your daily driver, you should drive a 10-speed Honda Odyssey. If you disengage the eco-mode, it's actually got some pep, and is pretty versatile. It looks better than a Subaru. Honestly, the new ...
by bottlecap
Sat Dec 29, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8947

Re: How to afford a sports car?

You can't afford it. Rather than focus on a dream car, why not focus putting yourself in a position to get your dream job? The cars and riches will follow. This is real life. Going to school for 4 years isn't an accomplishment that warrants a sports car. Or even a large salary. Actually, you have it...
by bottlecap
Fri Dec 28, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Love Bond Funds but Hate Adjustable Rate Mortgages: Double Standard?
Replies: 13
Views: 716

Re: Love Bond Funds but Hate Adjustable Rate Mortgages: Double Standard?

If you lose money with bond funds, you may simply wait out. Or worst come, you may sell at a loss and start another investment. On the other hand, if the ARM interest rate jumps, your options are limited. You may be stuck, re-finance, or sell your house. All of them may be ugly. This is what you ar...
by bottlecap
Fri Dec 28, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: QE, massive crash, Dow 3000?
Replies: 39
Views: 5809

Re: QE, massive crash, Dow 3000?

I think theory and numbers can tell you that the Fed has inflated asset prices. And that certainly was its goal for a time. But no one knows what the floor is or what the next crash looks like, however. It can't be calculated. I can't be predicted. You have to play the game, even if the environment ...
by bottlecap
Thu Dec 27, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Why stay the course? Why not sell all?
Replies: 68
Views: 6823

Re: Why stay the course? Why not sell all?

Because you will sell at the wrong time. Then you will constantly agonize as to when to get back in. If you muster the guts to get back in, it will be at the wrong time. If you can’t muster the guts, you will miss the next rally. It happens all the time. But it rarely, if ever, works out for anyone,...
by bottlecap
Wed Dec 26, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7301

Re: Nice jeans for work with lowest average cost of ownership

FlyAF wrote:
Wed Dec 26, 2018 10:30 am
Lowest cost of ownership for jeans? really?
lol. Yeah, I thought that was odd. But hey, we're talking about an engineer, so I let it slide...

JT
by bottlecap
Wed Dec 26, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Did I Do Something Stupid With My AA?
Replies: 22
Views: 1853

Re: Did I Do Something Stupid With My AA?

If that's where you want to be, why mess with it?

JT
by bottlecap
Wed Dec 26, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 4893

Re: Why call them "losses" when you still own the shares?

Because if you had to sell now, you would have a loss. You sure can’t call them gains.

Obviously there is a distinction between paper losses (and gains) and those that are realized.

And sometimes, stocks don’t come back. Sometimes they do come back, but not for a while.

JT
by bottlecap
Wed Dec 26, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9018

Re: Wow, Behaviorial Finance is Real

Bubbles are real, yes.

JT
by bottlecap
Wed Dec 26, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7301

Re: Nice jeans for work with lowest average cost of ownership

My Wranglers look nice and run about $17 a pair. I've never been in a professional setting where jeans were acceptable, though, so I don't know what exactly fits the bill for you.

JT
by bottlecap
Sun Dec 23, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Costco Tire Quality Seconds/Blems??
Replies: 31
Views: 2828

Re: Costco Tire Quality Seconds/Blems??

Complete BS.

Your OEM tires, however, were designed to sell the vehicle and not last. You may have difficulty replicating the noise level of those tires. CRVs have a lot of road noise to begin with.

JT
by bottlecap
Sun Dec 23, 2018 8:04 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11196

Re: My Christmas Present To You

Thank you and Merry Christmas. I hope you and the family's descendants have a wonderful time!

JT
by bottlecap
Fri Dec 21, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Condor moved me from Business to Economy. Recourse?
Replies: 54
Views: 4907

Re: Condor moved me from Business to Economy. Recourse?

If I had to have business class, I would call Condor again asking to be escalated to the next rep higher until someone would refund your tickets. I can’t imagine that they would fight to much over this if you became a thorn in their side.

Good luck,

JT