Search found 3238 matches

by tim1999
Wed Jun 21, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 1908

Re: Used cars in high demand

adamthesmythe wrote:Reading OP again, my sarcasm detector twitched a little.


Same here. Those letters are targeted towards suckers. Though if they keep sending them, they must be working on some people.
by tim1999
Thu Jun 15, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 28
Views: 3275

Re: Contractor took deposit but never did any work. What next?

In my state when this happened years ago to me, all you could do was file suit in small claims court, at which you'd win and get a judgement that is virtually impossible to collect on. They passed some law to make this sort of thing a criminal offense in my state. Now you can call the police and the...
by tim1999
Sun Jun 11, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2552

Re: 2004 LEXUS RX 330

I can't see the wisdom in trading a 2 year old car for an unknown 13 year old one in this situation. Keep the Highlander for 10+ years.
by tim1999
Fri Jun 09, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Getting House loan when I am still paying my car loan
Replies: 4
Views: 422

Re: Getting House loan when I am still paying my car loan

Unless you bought way more car than you can afford, and/or are going to try to buy a house you can barely afford, then it should not be a problem. Mortgage lenders will look at your debt to income ratio in determining whether or not to lend to you.
by tim1999
Fri Jun 09, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 2262

Re: Babson College

Years ago when I was in high school in NJ, I seriously considered (and applied to) Babson as I had a pretty entrepreneurial bent/interest at the time. I ultimately decided against it, as I perceived it as being too narrow-focused, and didn't want to be in an environment consisting (in my mind) of al...
by tim1999
Mon Jun 05, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 2869

Re: Gas station prices and quality

I usually buy from Top-Tier brands for my own cars, and also avoid stations that don't do a lot of business/low turnover of the gas supply, though those usually have high prices anyway.

If you shop around in my area, you can find a Top-Tier station that's within 25 cents per gallon of a no-name one.
by tim1999
Mon Jun 05, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: When a company spins off part of itself, do you keep the new company stock?
Replies: 17
Views: 764

Re: When a company spins off part of itself, do you keep the new company stock?

I sell the spin-offs immediately. The price always seems to go down afterwards, likely because the parent loads up the spin-off with a ton of debt in many instances. And in one instance, Idearc, the spinoff eventually went bankrupt.
by tim1999
Mon Jun 05, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: SL Mercedes owners
Replies: 2
Views: 612

Re: SL Mercedes owners

What year/model are you interested in? They've been making them for, I dunno, like 40+ years now.
by tim1999
Mon Jun 05, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 882

Re: How to find best but the cheapest red wine for better health?

For the purposes you are drinking it for, and the limited daily quantity I imagine you will be consuming, you might as well go with a decent boxed wine in the $15-$25 range. There are some pretty good tasting ones, and it will stay fresh longer and more economically vs. bottled wine. In my experienc...
by tim1999
Mon Jun 05, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Employer life insurance versus personal life insurance
Replies: 16
Views: 965

Re: Employer life insurance versus personal life insurance

My employer's plan is a Godsend since it is issued no matter what. No company will issue me a personal policy now due to a health issue from many years ago (since treated/resolved) that is on my medical records that they can access. And now that there is a series of life insurance denials on my reco...
by tim1999
Mon Jun 05, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 5780

Re: Pimp my DW's ride.

I would also be interested in hearing first hand experience from someone in-the-know on car wraps. My concerns surround what, if any, effects there would be on the paint in the event that the wrap is removed. Also, how well they hold up to the sun - yellowing, fading, etc. As well as typical cost.
by tim1999
Sat Jun 03, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: How to reject tenants for subjective reasons?
Replies: 18
Views: 2604

Re: How to reject tenants for subjective reasons?

Reminds me of a three-unit building I owned and lived in one of the units, I once rejected an otherwise well qualified applicant simply because her voice was loud and sounded like Fran Drescher, laugh and all. I didn't want to hear that through the walls every day.
by tim1999
Fri Jun 02, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3435

Re: Job offer without an in person interview

Are you going to move or is this a traveling/telecommuting job? Wouldn't you like to see the city you'll be moving to? I would have to move there. It's a city I've been to many times so I am quite familiar with it. My greater concern is the office space. Not trying to sound too picky, but I hate op...
by tim1999
Fri Jun 02, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Responding to a weird job interview question..
Replies: 31
Views: 2958

Re: Responding to a weird job interview question..

My teenage job involved working with older co-workers whose every other word seemed like a curse, and they would often go into detail about their sexual and drug/alcohol-related exploits. While it did not offend me, and my parents knew what the environment is like (my dad had done the same job when ...
by tim1999
Thu Jun 01, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5181

Re: Use 2013 Audi A5 or New Honda Accord Sport

Sounds like a very good price for a '13 A5 with 40k miles unless it has an accident history or other issue.
by tim1999
Thu Jun 01, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 4880

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

At a recent family gathering, a relative mentioned that they bought a house a couple months ago, and it's already gone up in value 20% according to Zillow. And I also know another relative whose house has tripled in value in five years. Just like KBB for cars, Zillow doesn't buy houses. Their value...
by tim1999
Thu Jun 01, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Nephews play football - don't want to encourage this
Replies: 45
Views: 3061

Re: Nephews play football - don't want to encourage this

Pass on the tickets if it will make you feel more comfortable with the situation, but I can assure you it will do nothing to encourage them to take up a different sport instead.
by tim1999
Wed May 31, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3435

Re: Job offer without an in person interview

This doesn't shock me at all. In my region and field people are incredibly in demand. We are having a hard time hiring anyone, from field people to engineers. First we get a lack of qualified candidates for almost any position and then if we do find someone we like they generally either have found ...
by tim1999
Wed May 31, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3435

Re: Job offer without an in person interview

I did provide them with three references at their request (all three are past managers/co-workers), and all three let me know that they were contacted by the company. They could also verify my professional credentials pretty easily. However, I think I am going to propose an in-person meeting (aka &q...
by tim1999
Wed May 31, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3435

Job offer without an in person interview

I have been looking for a new job for the last few months for a variety of reasons relating to my current job. I've had a few phone interviews with various firms across the county in the past few weeks. I cannot reveal my field of work here as it is extremely limited in focus, but basically there ar...
by tim1999
Tue May 30, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 17
Views: 991

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

Where are you renewing at that you have to pay a $5 processing fee? I send in the check directly to Penndot when I get the renewal in the mail and don't have to pay a processing fee. All you save with the 2 year renewal vs. 1 year is possibly a check, a stamp, and a few minutes of your time. I'm gue...
by tim1999
Tue May 30, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: old Canadian money
Replies: 13
Views: 1231

Re: old Canadian money

I also have several hundred dollars in paper Canadian $1, $2, and $5 bills from the 1970s and 1980s that family friends from Canada gave me as a kid. I'm wondering what is the easiest way to either cash it in for USD or donate it to a charity that is willing to accept it and can turn it into a deduc...
by tim1999
Tue May 30, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5170

Re: Do I deserve it?

At that stage in life, unless the Taurus is on its last legs, I'd rather keep driving it and move out of my parents' house instead.
by tim1999
Thu May 18, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1143

Re: Paying balance of costly ambulance ride

What happens if I don't pay the remainder myself? I think you need to wait and see what their response is after signing over the insurance check to them. They might just write off the rest, or ask you to pay another $100 or something. From your post it doesn't sound like you've had any communicatio...
by tim1999
Thu May 18, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 8000

Re: Which Small SUV for 15 Year Reliability?

I don't know that it's even possible anymore, but I'd try to find something that's non-turbo and non-CVT for long-term reliability.
by tim1999
Thu May 18, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1143

Paying balance of costly ambulance ride

A few weeks ago I suffered a pretty serious injury during a sporting event I was playing in. Game officials drove me to an urgent care center, but the care center decided I need to go to the hospital ER and arranged for an ambulance, a local supposedly non-profit ambulance association. It was a 7 mi...
by tim1999
Sun May 07, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 17
Views: 1634

Re: Anyone subscribe to Barron's?

TomatoTomahto wrote:You can watch porn online for free now. With sound and all.


LOL thanks. I needed that. :beer
by tim1999
Sun May 07, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 1823

Re: Mazda CX3 lease... is this a good deal

mhalley wrote:So at the end of 3 years you have paid over half the value of the car and own nothing. Does that sound like a good idea?


You got the use of a new car for 3 years with no money down and the ability to turn it in and walk away at the end.
by tim1999
Sat May 06, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4039

Re: Best salads

Italian meats (cut up into small pieces), provolone cheese (also in small pieces), and pasta. Otherwise it's not really enough to be a full meal to me.
by tim1999
Sat May 06, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Need help with tree
Replies: 20
Views: 1036

Re: Need help with tree

I would probably replace it, and next time, build some kind of "bed" of mulch, etc. in a circle around it to avoid future problems involving hitting it with chemicals, lawn fertilizer, the lawnmower, etc.
by tim1999
Sat May 06, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Taking over lease of Luxury car, good deal? Anything else to know?
Replies: 19
Views: 1543

Re: Taking over lease of Luxury car, good deal? Anything else to know?

I'd be concerned about voiding the lease terms or warranty if you don't get it serviced at the dealer. That is not true. They cannot do that. There are laws against it. However, you should keep any non-dealer service records. In case the engine blows up at, say, 40k miles and they try to claim that...
by tim1999
Sat May 06, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 17
Views: 1634

Re: Anyone subscribe to Barron's?

My subscription ended mid-March, but they are still sending it. Curious if anyone knows how long this typically goes on for. I recall reading once that they "continue sending Barron's for a short period after your expiration date in case you forget to renew." The best renewal deal they sen...
by tim1999
Sat May 06, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Do I need a deed?
Replies: 13
Views: 744

Re: Do I need a deed?

As long as the deed is recorded with the county or appropriate other agency for the area, nobody needs a copy of their deed. I'll never figure out why some people treat their deeds like some kind of sacred document. As others mentioned, you can get a copy of any recorded deed for a few bucks, often ...
by tim1999
Sat May 06, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Taking over lease of Luxury car, good deal? Anything else to know?
Replies: 19
Views: 1543

Re: Taking over lease of Luxury car, good deal? Anything else to know?

If he really wants to get out of it, he should be paying you a cash incentive and he should pay all transfer fees.
by tim1999
Sun Apr 16, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: New law will ban NYC employers from asking about salary history
Replies: 15
Views: 1857

Re: New law will ban NYC employers from asking about salary history

Good. I'm tired of jerk employers trying to play games with this.
by tim1999
Sat Apr 15, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4626

Re: What do you do with your coins?

I try to pay with plastic to avoid change. Nothing worse than trying to pay cash and the bill comes to $9.01.

I put my change into a small box at home. When it is full, I take it to my bank and have them deposit it into my checking account. It's usually once per year and comes out to around $50-70.
by tim1999
Thu Apr 13, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7564

Re: leaving early from work

Production matters. To think that every employee completes the same amount of production in an 8 hour day week after week, year after year, is not wise. It can actually be used to one's advantage if you have several weeks where you have some scheduling issues and you complete the same amount of pro...
by tim1999
Thu Apr 13, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1900

Re: Working without an office - Strategy

When I don't feel like going to the office or if there is some event or person there I am trying to avoid, I usually go to Panera. Coffee is like $1.89 (cheaper than Starbucks), they don't balk if I refill multiple times for free, and I access the internet through a VPN connection via the wifi hotsp...
by tim1999
Thu Apr 13, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing separately and tax fraud
Replies: 18
Views: 1526

Re: Married filing separately and tax fraud

I would assume the land could be seized as well as the joint account. I don't think your relative needs to worry about the IRS knocking on the door or being told to pay up for the tax cheat. But I think the relative really does have to worry that any joint assets might be seized. The relative proba...
by tim1999
Wed Apr 12, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 4748

Re: Car Breaks Down on Long Road Trip

an_asker wrote:1. leave vehicle at nearest facility for repair
2. rent a comparable vehicle at closest rental place
3. complete rest of trip in rental vehicle
4. pick up your vehicle and return rental vehicle
5. return home


This is exactly what I would do. I also would not take a jalopy on a long road trip.
by tim1999
Wed Apr 12, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: New Car Purchase: Having my cake and eating it too?
Replies: 16
Views: 2344

Re: New Car Purchase: Having my cake and eating it too?

You aren't really bound by contract NOT to pay it off early in most circumstances, but if I did it I don't think I'd be comfortable showing my face in that dealership ever again. Out of curiosity, why? So long as you did not *actively* mislead them it feels like you have done nothing unscrupulous. ...
by tim1999
Wed Apr 12, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing separately and tax fraud
Replies: 18
Views: 1526

Re: Married filing separately and tax fraud

No. Just the offender. The non-offender is worried the IRS will start poking around when the offender doesn't pay, and will discover that the non-offender used to live at that address, still is married to the offender, still gets some mail at that address, still has a joint bank account with the of...
by tim1999
Wed Apr 12, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing separately and tax fraud
Replies: 18
Views: 1526

Re: Married filing separately and tax fraud

Pennsylvania. Not a community property state. Stock was owned by spouse A individually in a regular taxable brokerage account. Thanks. This involves some relatives of mine and the non-responsible for the stock spouse is getting panicky after the responsible one told them about the communication the...
by tim1999
Wed Apr 12, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Car Purchase: Having my cake and eating it too?
Replies: 16
Views: 2344

Re: New Car Purchase: Having my cake and eating it too?

The dealership usually loses their kickback from the bank on the financing if you pay it off before a few months. Essentially cutting into their profit that they had anticipated based on your initial desire to finance it. You aren't really bound by contract NOT to pay it off early in most circumstan...
by tim1999
Wed Apr 12, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing separately and tax fraud
Replies: 18
Views: 1526

Re: Married filing separately and tax fraud

Pennsylvania. Not a community property state. Stock was owned by spouse A individually in a regular taxable brokerage account. Thanks. This involves some relatives of mine and the non-responsible for the stock spouse is getting panicky after the responsible one told them about the communication they...
by tim1999
Wed Apr 12, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing separately and tax fraud
Replies: 18
Views: 1526

Married filing separately and tax fraud

A married couple files their federal returns as married, filing separately. They are separated (literally) and do not live together but never got a divorce. Spouse A lies on the federal return about the cost basis of a stock (so as to avoid capital gains tax) and the IRS catches it, informs Spouse A...
by tim1999
Wed Apr 12, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7564

Re: leaving early from work

At my megacorp, nobody really cares as long as you are getting your work done.
by tim1999
Mon Apr 10, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Car collision repair advice
Replies: 7
Views: 466

Re: Car collision repair advice

How much are your deductibles? I'm guessing this would be covered under "comprehensive" coverage and not "collision", and the deductible will be lower. I don't know the shops or business climate where you live, but in many trades, you can negotiate a discount by paying cash and n...
by tim1999
Mon Apr 10, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 31
Views: 2461

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

When I bought an Audi (sister car of VW) they tried to sell me on the "Audicare" prepaid maintenance plan. Once you boiled it down, you were paying for ridiculous items bundled in with the services that are in the maintenance schedule, such as "Check horn function." Yes, the prep...
by tim1999
Mon Apr 10, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Forced retirement-Can this work?
Replies: 17
Views: 2438

Re: Forced retirement-Can this work?

Once the part time gig is over, if I were you, I'd sell the house, move to an area with a lower cost of living, and never work again. You won the game.

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