Search found 5517 matches

by bottlecap
Fri Aug 17, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 21
Views: 1667

Re: Costco penny install sale & road hazard terms

I intended to buy tires at Costco several weeks ago, but when I went into the store and visited the tire department with a couple of questions there was no one there. I stopped back later and there were about 12 people waiting for assistance and one very busy guy working behind the counter. Judging...
by bottlecap
Fri Aug 17, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 1670

Re: oil pan threads stripped - pan saver okay?

They stripped it, they fix it, no? If this was jiffy lube, They might give you static. If it was a dealer, I think you might have a better argument. I don’t know much about pan-savers, but it might could be rethreaded, albeit to a slightly different size. I do my own oil changes now and it is frank...
by bottlecap
Fri Aug 17, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 1670

Re: oil pan threads stripped - pan saver okay?

They stripped it, they fix it, no? If this was jiffy lube, They might give you static. If it was a dealer, I think you might have a better argument. I don’t know much about pan-savers, but it might could be rethreaded, albeit to a slightly different size. I do my own oil changes now and it is frankl...
by bottlecap
Fri Aug 17, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1652

Re: Is President Jimmy Carter a Boglehead?

The Carters seem like fine people. Agree with his politics or not, they appear to be people worthy of admiration.

As such, they probably would be disappointed if people went on to use their example to cast dispersions on the lifestyles or beliefs of others.

JT
by bottlecap
Fri Aug 17, 2018 9:48 am
Forum: Local Chapters and Bogleheads Community
Topic: Thank you!
Replies: 2
Views: 302

Re: Thank you!

Congratulations! Now enjoy life!
by bottlecap
Fri Aug 17, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Collision vs Uninsured Motorist Property Damage??
Replies: 2
Views: 138

Re: Collision vs Uninsured Motorist Property Damage??

You have to call you insurance company or do some research. This stuff varies from state to state and even if one's opinion is knowledgeable in one state, it might not apply to yours.

I would be more worried about my injuries in the event of an uninsured motorist than my vehicle, however.

JT
by bottlecap
Fri Aug 17, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Do we really need to save 20 % ?
Replies: 28
Views: 2679

Re: Do we really need to save 20 % ?

Your post is unclear. But: I presume you can't get this loan until you buy a home. If you are not going to buy a home until next year, what guarantee do you have that the loan will be available (and at what rate) in a year or so? I lean toward your wife. Don't invest what you may need so that you ca...
by bottlecap
Fri Aug 17, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7070

Re: Retire in Florida or Alabama?

Got it. Expressing the desire to avoid the presence of "Yankees" is not provincial, but expressing the idea that "Yankees" bring something good to the table is provincial. Thanks. You're welcome. I realize its hard to understand, but if the OP's father is from Texas, he will. Sometimes you don't wa...
by bottlecap
Fri Aug 17, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 21
Views: 1667

Re: Costco penny install sale & road hazard terms

I plan to buy tires from Costco next time the Michelins are on sale. How do you know that they will be 1 penny installation in a couple of weeks? Another thing to consider when buying tires from Costco is they do not do alignments, and that is recommended after new tires are installed. If your prev...
by bottlecap
Fri Aug 17, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 21
Views: 1667

Re: Costco penny install sale & road hazard terms

I intended to buy tires at Costco several weeks ago, but when I went into the store and visited the tire department with a couple of questions there was no one there. I stopped back later and there were about 12 people waiting for assistance and one very busy guy working behind the counter. Judging...
by bottlecap
Thu Aug 16, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 45
Views: 2716

Re: Seattle- mandatory affordable housing units affect single family home values?

Also realize that a lot of "affordable" housing in decent areas is bought up by professionals with temporarily low incomes. It may not be the case if the whole building is subsidized, but many times only part of the development is subsidized and that gets bought up by people whose incomes were low l...
by bottlecap
Thu Aug 16, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Boglehead Birthday Gift for 50th B Day - Fine Spirits
Replies: 24
Views: 1340

Re: Boglehead Birthday Gift for 50th B Day - Fine Spirits

A bottle of Scotch or Bourbon is a great idea, but tastes do vary. Do you know already know what he likes or can you ask his wife?

I'd take that info to a good liquor store and ask for a recommendation. A good Bourbon can be had closer to $50, while Scotch will run a little more.

JT
by bottlecap
Thu Aug 16, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: DCA investing or going into debt ?
Replies: 6
Views: 579

Re: DCA investing or going into debt ?

Never borrow to invest in the stock market.

JT
by bottlecap
Thu Aug 16, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 21
Views: 1667

Re: Costco penny install sale & road hazard terms

Why don't you call them? When I had a screw in the tire that was too close to the sidewall to repair, they were going to replace that tire and the one on the other side for the cost of about half of one tire. It turned out that the screw had not punctured the tire, so they just removed it. But I jok...
by bottlecap
Thu Aug 16, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle- mandatory affordable housing units affect single family home values?
Replies: 45
Views: 2716

Re: Seattle- mandatory affordable housing units affect single family home values?

Honestly, I wouldn't sweat it. It's Seattle. Subsized housing is necessary precisely because of all the restrictions on building. Those restrictions aren't going away and therefore existing home prices aren't likely to trend down. Maybe your friend's short term value will not be as good as it once w...
by bottlecap
Thu Aug 16, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 37
Views: 2127

Re: Travel delay: Can I *easily* get $60 back?

Being out $60 has already been well worth it if you ask me. You are no longer worrying about the rest of the money you spent on your trip!

JT
by bottlecap
Thu Aug 16, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7070

Re: Retire in Florida or Alabama?

Lots of concert halls, theaters, museums, good schools, art galleries, interesting restaurants, and diverse museums and cultures where those Yankees congregate. To each her or his own... :beer or :sharebeer as you wish. Yet for all that exposure, it still leaves one with a provincial attitude, a st...
by bottlecap
Thu Aug 16, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Time for new phone, Buy or Lease?
Replies: 30
Views: 1796

Re: Time for new phone, Buy or Lease?

Thanks for the replies and patience. I am very tech ignorant. I there any disadvantage to buying an unlocked phone on say, Amazon? They seem a lot cheaper, but are they more expensive to activate? Just trying to learn. I didn't experience a disadvantage. It will cost about $25 to activate. Just mak...
by bottlecap
Thu Aug 16, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Old Acura TL vs new Honda Accord
Replies: 11
Views: 676

Re: Old Acura TL vs new Honda Accord

Thanks for all of the responses everyone. Very insightful. I'll be keeping the Acura. You can do aftermarket stereo install will Apple CarPlay and it can integrate into steering wheel controls etc if that is of interest. This is intriguing - I hadn't thought of that as an option. I'll have to look ...
by bottlecap
Thu Aug 16, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Old Acura TL vs new Honda Accord
Replies: 11
Views: 676

Re: Old Acura TL vs new Honda Accord

So are you going to pay sales taxes and financing on the Acura if you continue to own it? Otherwise eliminate those costs. I would highly question the repairs and maintenance as well. Even if accuruate, you are driving the car about half as much as Edmonds assumes. That means slower depreciation, ma...
by bottlecap
Thu Aug 16, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Time for new phone, Buy or Lease?
Replies: 30
Views: 1796

Re: Time for new phone, Buy or Lease?

I got an Android off of Amazon for less than $250. It's better than my previous iPhone 6.

Just search the internet for phone reviews and buy one. There are a number of fine options for less than $300.

JT
by bottlecap
Tue Aug 14, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7070

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: 93
Views: 8149

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: 5189

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: 40
Views: 3263

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: 4283

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: 867

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: 3555

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: 350

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: 6989

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: 109
Views: 6632

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: 109
Views: 6632

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: 3430

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: 4035

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: 109
Views: 6632

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: 4441

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: 4035

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: 109
Views: 6632

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: 282

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: 1560

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: 1799

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: 6034

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: 1799

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: 686

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: 2064

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: 2064

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: 6752

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: 1497

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: 5800

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: 3337

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...