Search found 4805 matches

by bottlecap
Sun Nov 19, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2139

Re: Are expensive tires worth it?

Assuming they work well with your vehicle (check tire rack.com), yes they are worth it.

They ride nicely for a long-life tire. I have had two sets of the Ltx defenders’ predecessor and both sets have lasted for more than 80,000 miles.

Will definitely buy again.

JT
by bottlecap
Sat Nov 18, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Anti-Index Fund Arguments - Help staying the course.
Replies: 19
Views: 2416

Re: Anti-Index Fund Arguments - Help staying the course.

Despite all those “points” indexing still beats active management after fees.

So why are they still convincing to you?

JT
by bottlecap
Fri Nov 17, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 67
Views: 3979

Re: My dad's army jacket

It’s very unlikely that someone will mistake you for a 1950’s veteran for wearing just the jacket. I’m not sure in what context you can wear it in public, however, if you are over 30, and not look at least a little weird. I imagine that your responses from veterans will vary. My father served in Kor...
by bottlecap
Thu Nov 16, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4367

Re: Fair way to split expenses?

I can't imagine that there is any other way to do it than 50/50. You can have separate accounts, but in the end, isn't that (50/50) what marriage is supposed to be? JT You lack imagination.:) There are tons of people that are more comfortable with some split. It might seem crazy to you. Keeping fin...
by bottlecap
Wed Nov 15, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3676

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

If the job is good, go for it and don't think twice. The migration to cheaper states is mainly from people without good incomes from jobs or other sources. If you have the income, I don't see a problem. This makes no sense. And turns out to uniformly not the case. Funny thing is, there is a lot of ...
by bottlecap
Wed Nov 15, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Car loans vs. Home loans - Are markets efficient?
Replies: 12
Views: 1025

Re: Car loans vs. Home loans - Are markets efficient?

Try getting that rate on a used car.

The answer is the low car rates are subsidized by the manufacturers as an incentive to get you to buy the car. They are not making their money on the loan.

JT
by bottlecap
Wed Nov 15, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 39
Views: 5458

Re: New 2018 Honda Odyssey Problem - Need Advice

I wonder what it turned out to be?
by bottlecap
Wed Nov 15, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4367

Re: Fair way to split expenses?

For those who make a 50/50 split, are the chores also split 50/50? If so, by what measure? And this is a great example of why it can only be 50/50. When you start keeping score and deciding who deserves more because of their various monetary and non-monetary contributions, all you will wind up with...
by bottlecap
Wed Nov 15, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4367

Re: Fair way to split expenses?

I can't imagine that there is any other way to do it than 50/50.

You can have separate accounts, but in the end, isn't that (50/50) what marriage is supposed to be?

JT
by bottlecap
Wed Nov 15, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3676

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

I grew up in Connecticut and Massachusetts. Hartford is part of the reason I moved down south. I don't mind visiting, but it's a bit depressing. Coincidentally, one of my best friends just moved from CT (south of Hartford) to Dallas. I haven't spoken to him about the difference since he moved, but h...
by bottlecap
Wed Nov 15, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: The passive investing trap
Replies: 20
Views: 3239

Re: The passive investing trap

It is an old trope that investment advisors can sell before the downturn. They can't tell when the next downturn will be any better than the rest of us.

JT
by bottlecap
Wed Nov 15, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 85
Views: 4569

Re: Tipping in living wage state. Redux.

Y.A.Tittle wrote:
Mon Nov 13, 2017 5:47 pm
If the waitstaff is making $15 per hour then the tip equals $0, unless service is exemplary.
I agree with this. And I used to wait tables.

JT
by bottlecap
Wed Nov 15, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 60
Views: 2797

Re: Michelin or Bridgestone?

Michelin tires are good tires. Very good tires. But they are not clearly better in all circumstances than premium tires from other manufacturers. Those who claim Michelin tires are far superior have been hooked into their marketing strategy, perhaps unknowingly. I have not bought many new cars, but...
by bottlecap
Tue Nov 14, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Getting a Margaritaville beverage maker repaired.
Replies: 5
Views: 585

Re: Getting a Margaritaville beverage maker repaired.

Sell it to someone who can fix it for $35 and then it’s only a $65 mistake.

It’s just not worth it.

JT
by bottlecap
Sun Nov 12, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 169
Views: 13509

Re: Why pay cash for a car?

I don't like having another payment to worry about. The potential of making a small gain on a small amount of money is not going to change my life. I'd far prefer to pay cash.

JT
by bottlecap
Sat Nov 11, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 135
Views: 8444

Re: Thouhgts about wearing a "uniform"/same thing everyday?

No, but I walked into a Walmart wearing a blue short sleeve polo and khakis and had 4-5 people coming up to me asking where items were. Same! Tank top and orange short-shorts to Hooters. Never again. That's the best post I’ve seen in a while! Hilarious. Seriously, if picking out a shirt and pair pa...
by bottlecap
Fri Nov 10, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Updating Will To Add Additional Child
Replies: 6
Views: 438

Re: Updating Will To Add Additional Child

Can we just review the paperwork and anywhere it lists dependents write her name in and my wife and I initial by the change (similar to how you can do with other legal documents)? Or do we need to actually have someone involved legally. This is state law dependent. Get legal advice. Such a change s...
by bottlecap
Wed Nov 08, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Lending Money to Business Acquaintance
Replies: 17
Views: 1251

Re: Lending Money to Business Acquaintance

Loan or buying a percentage of a failing business won't help. The business is gone and/or he can't run it profitably. If you want to help him get out, go ahead. He likely needs to see a bankruptcy attorney. But a business that can't make payroll is done. No sense throwing good money after bad for a ...
by bottlecap
Wed Nov 08, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4799

Re: what pickup truck

If you're looking at a big truck, the Tundra might just be your best bet. I don't have experience with the new ones, but the old ones last forever. Ford trucks are popular, the Chevy trucks look nice. My wife's family only drives Chevy's, mostly trucks. My family owned Fords and Chevy's growing up. ...
by bottlecap
Wed Nov 08, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 34
Views: 1761

Re: Okay to paint exterior brick?

The problem with painting brick is you need to repaint it.

If I did paint it, I would probably paint it the same color as the stucco.

JT
by bottlecap
Wed Nov 08, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2778

Re: DIY vs work extra and pay a pro

There is no explicit formula that is accurate and takes everything into account. Your brain should be able to calculate for you whether you should DIY after a short time of internet research. I try to do things myself if I can and if it interests me. Fixing things interests me. I’ve mowed enough law...
by bottlecap
Sat Nov 04, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: Leading indicators [published] from the FED
Replies: 17
Views: 1098

Re: Leading indicators [published] from the FED

Even if you knew what those indicators were, you couldn’t put them together to predict the market, or even the economy. The fed doesn’t even have a good track record with it. If the numbers were a great predictor, then wouldn’t everyone be aware of this and time the markets based on this? These repo...
by bottlecap
Thu Nov 02, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Parked Car Hit and Need Advice
Replies: 16
Views: 2105

Re: Parked Car Hit and Need Advice

Look on the bright side: you have your first excuse to buy a new car. Now all you have to do is wait until you need an oil change, a brake job, and new tires all at once. Add up all those costs to fix and it'll be cheaper to buy a new one... :wink: Seriously, get it buffed out and move on. You could...
by bottlecap
Wed Nov 01, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Robert Prechter, Elliott Wave theorist, Fox Business today
Replies: 24
Views: 1818

Re: Robert Prechter, Elliott Wave theorist, Fox Business today

So?

It's financial porn, but somehow this is financial porn we should take seriously?

JT
by bottlecap
Tue Oct 31, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need an EF [Emergency Fund]
Replies: 29
Views: 1978

Re: Do I need an EF

I have about 40k worth of credit lines and honestly, if I really needed it as in became disabled or otherwise, my parents would happily step in. I have some student debt that I hate carrying (~35k at 3.5% variable rate) and I bring in about 10k/mo so I want to be able to max out my 401k etc. I just...
by bottlecap
Tue Oct 31, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5464

Re: New Car: Ever make sense to lease?

I am currently in a 2 year / 24k mile lease. 0 down. total monthly payment is $60. Please someone tell me this is a bad idea. If that's true, then it could be a good idea at 6 cents/mile, assuming you can live with a tiny vehicle and a short leash. I'd be quite surprised if it's truly zero down, ho...
by bottlecap
Mon Oct 30, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5464

Re: New Car: Ever make sense to lease?

Leasing is fine is you have more money than you know what to do with and/or you're a city slicker who has no interest in learning how to maintain a vehicle. Basically, you will spend more to have someone else handle it for you. Otherwise leasing costs more and is a PITA because yo have to go negotia...
by bottlecap
Sun Oct 29, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8916

Re: we bought a house - are we housepoor now?

What are your expenses? What is your mortgage payment, including insurance and taxes? What is your net pay?

JT
by bottlecap
Fri Oct 27, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Should I change my car?
Replies: 13
Views: 864

Re: Should I change my car?

Honestly, outside of the pain issues, it sounds like you just want a new vehicle. Which is fine, but you don't need anyone else to justify your decision. If the vehicle is truly that uncomfortable and you spend a lot of time in it, I guess I'd look for something else. Rent before you buy, however, o...
by bottlecap
Fri Oct 27, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7633

Re: Can I retire today?

Seems like it, if your pension plan doesn't go belly up!

Enjoy it.

JT
by bottlecap
Fri Oct 27, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1042
Views: 252513

Re: Best watch for around $5,000?

When I saw this thread pop up this morning, I thought, "Wow. Another $5,000 watch thread."

Now that I see that the original thread has simply been revived, it is decidedly less awesome.

JT
by bottlecap
Fri Oct 27, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Will with guardianship
Replies: 16
Views: 424

Re: Simple Will with guardianship

Thanks. My initial discussion was actually with the benefits administrator. They told me that I can’t do a simple will if I have minor children. Not that the plan wouldn’t cover it, but that a simple will can’t handle guardianship of minor children. I told them that I wanted to discuss it with one ...
by bottlecap
Fri Oct 27, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4219

Re: How to get over the fear of traveling without spouse and children?

All I can say to help is that your chances of dying in a plane crash or while on vacation are pretty darn low. You're probably far more likely to drop dead while you're at home. I understand the fear and I think about it every time I travel alone, but it's not realistic. If you have the opportunity ...
by bottlecap
Fri Oct 27, 2017 6:49 am
Forum: Investing - Help with Personal Investments
Topic: New member-hello [Where to get high safe return on new home money]
Replies: 6
Views: 721

Re: New member-hello

Welcome. You could "ladder" CDs: say perhaps a 6 mo, 12 mo, 18 mo, 24 mo and/or 30 mo term, according to when and how much you might need over the next two or so years.

JT
by bottlecap
Thu Oct 26, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 1550

Re: Fix or replace my vehicle

I drive an 18 year old SUV. I'd never let that many things continue to be wrong on the vehicle.

However, if you don't like it, get rid of it. You've owned it long enough. It's got enough miles on it.

That's maybe the second time I offered that advice!

JT
by bottlecap
Thu Oct 26, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 6104

Re: My fear about buying a house justified?

Your fear is absolutely justified. And the fact that you have fear just thinking about it will make the reality worse every month when you come up short of your goals. The only thing that would make it easier is that you don't have kids, so it would just be you fretting and going without when you do...
by bottlecap
Tue Oct 24, 2017 5:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Jack, Taylor and Mel!!
Replies: 27
Views: 2782

Re: Thank you Jack, Taylor and Mel!!

I concur! Thanks for the sage advice that changes lives everyday.
by bottlecap
Mon Oct 23, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 11448

Re: Converting to Safety Razors

In fact, in the business world they call it the "Gillette razor and blades model", "Give 'em the razor; sell 'em the blades". Actually, the safety razor and blade business was the source of this aphorism. Gillette sold the razors at a loss to get people started with his at the time new fangled blad...
by bottlecap
Mon Oct 23, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 11448

Re: Converting to Safety Razors

What people who haven't tried double edged safety razors don't understand is that EVERY blade has different characteristics that may or may not work with your skin type or beard type. Before I used a DE, I didn't know, either. But the point is that your Mach 3 or other disposable razor may work perf...
by bottlecap
Mon Oct 23, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Market Timing and Investing Advice
Replies: 10
Views: 1061

Re: Market Timing and Investing Advice

Welcome. 3 to 4 years is not enough time to invest in the stock market.

That is a good time frame for Certifactes of Deposit, though.

Good luck,

JT
by bottlecap
Sun Oct 22, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7081

Re: How does/can Walmart offer such inexpensive prescriptions?

Let's assume everything the Times writes is true (cough). Not only the NYT reported that and as far as I'm concerned, that type of comment without a quick Googling to see that means that the conversation is over. Have a good evening. Considering your comment wasn't even germane, you are correct.
by bottlecap
Sun Oct 22, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7081

Re: How does/can Walmart offer such inexpensive prescriptions?

I don't know what the answer is, but this is implausible. Walmart pays benefits and more than the federal minimum wage. Better than Mom and Pops for sure. Yet when Walmart sells life-giving medicines for cheap, it's because it is an evil corporate entity that is luring customers in to spend the big...
by bottlecap
Sun Oct 22, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7081

Re: How does/can Walmart offer such inexpensive prescriptions?

I will hazard a guess. My understanding is that Walmart has low prices because it has low salaries for its employees, low benefits, buys stuff from China, etc. If it is losing money on prescriptions, it can make it up, probably, in other areas of the store. The theory might be that if people come i...
by bottlecap
Sat Oct 21, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Questions for Landlords - How clean is clean?
Replies: 37
Views: 2233

Re: Questions for Landlords - How clean is clean?

You should have rights as a renter. However, with you leaving, it’s not worth pressing them at this point.

Deal with it and move out as soon as you can. You'll be lucky to get the security deposit back.

JT
by bottlecap
Sat Oct 21, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of converting all my total us stock market funds to target date funds
Replies: 8
Views: 1331

Re: Thinking of converting all my total us stock market funds to target date funds

It's a great idea. The only issue is money in the taxable account. The TR fund will produce more taxable dividends.

If that's okay with you, then it's fine. Otherwise leave the taxable account in a tax-efficient fund and adjust the date of your TR funds accordingly.

Good luck,

JT
by bottlecap
Fri Oct 20, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5249

Re: I have to fire someone that I care about personally

Tough job. I don't envy you. I don't know the business, so I'll refrain from judgment. But I get that it's a business. I guess all you can do is tell her face-to-face that the band wants this opportunity that it originally passed up a year ago, but the agency told you that it wants a female lead wit...
by bottlecap
Fri Oct 20, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5654

Re: Is a crash coming soon?

"It feels like" is not a part of my IPS.

JT
by bottlecap
Thu Oct 19, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: 1st Time Cruise - Princess and wifi
Replies: 23
Views: 1994

Re: 1st Time Cruise - Princess and wifi

The internet on cruise ships is expensive and slow. Unless you really need to be available for work, I would forgo it and live like we did in 1980 for a week. Especially if you have kids.

JT
by bottlecap
Wed Oct 18, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: High fee funds
Replies: 12
Views: 1054

Re: High fee funds

First order of business: How do you know they are doing well? Is it appropriate to compare these funds to an index? If not, your funds may not be doing so well. If it is an appropriate comparison, then from a theoretical standpoint, you should sell them and buy comparable index funds. Just because t...
by bottlecap
Wed Oct 18, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5280

Re: Best way to make some dollars on a 10 day vacation?

I would use the opportunity to meet people. Of course I could be wrong, but your post makes it sounds like you are lonely and work too much. You are not going to make any money of any significance if you are not working in your area of expertise. And no one in an actual business is going to hire a n...