Search found 3173 matches

by tim1999
Sat Mar 25, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ever apply a competitor and have word get back to your employer?
Replies: 20
Views: 1488

Re: Ever apply a competitor and have word get back to your employer?

I applied to a competitor and I figured it wasn't an issue because I knew the manager of the department at the competitor and most of her employees. I had enough of a rapport with them to know they would not snitch, especially since some of them were former disgruntled employees of my then-current e...
by tim1999
Sat Mar 25, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Anyone replaced a pickup with an SUV?
Replies: 19
Views: 429

Re: Anyone replaced a pickup with an SUV?

wilshuer wrote: Echo the sentiment of not putting lumber in a 50k SUV.


Just get a cheap moving blanket or two and lay them out in the rear compartment (and possibly up along the side windows if the stack of wood is high) when hauling. No big deal.
by tim1999
Thu Mar 23, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 82
Views: 2643

Re: How did you do your income taxes?

TurboTax, and I don't do them until around April 5-7, since I always owe a bit of money. Haven't started yet.
by tim1999
Thu Mar 23, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Should I sell my 2016 MDX and just lease? Minimal mileage needs
Replies: 11
Views: 1070

Re: Should I sell my 2016 MDX and just lease? Minimal mileage needs

Do you only need one car in the household? Then perhaps yes, sell it. if you need 2 cars, just keep the MDX and drive it for the next 20 years or however long it will last due to the low mileage put on it. Sounds like either you don't need a car or don't drive, only she does?
by tim1999
Thu Mar 23, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Do I need title insurance?
Replies: 22
Views: 1321

Re: Do I need title insurance?

To the OP: yes you need it, but it is a major scam of our system. Can anyone cite a case they know of where title insurance actually paid out some cash? Yes. Without telling a very long story, the title insurance company had to petition (through court) a county to reverse a tax sale and then had to...
by tim1999
Wed Mar 22, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 168
Views: 13658

Re: "Millionaire Next Door" Net Worth Formula

I used to fly first class a lot when I traveled for work and had status. Now, not so much. But with mobile check-in, pre-check and early boarding as a credit card perk, I barely miss flying first class (on domestic flights anyway). I am not a physically huge person so I don't need a lot of seat roo...
by tim1999
Wed Mar 22, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1332

Re: How do I share internet with my neighbor?

I'm no pro at this, but I would buy a WiFi repeater for my house, have him give me his password, and split the monthly cost. You have to trust that your brother (or yourself) has no desire to or nobody in the household does to view/download any illegal content (if you know what I mean).
by tim1999
Tue Mar 21, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: What building year I should seek when shopping for a house?
Replies: 32
Views: 2098

Re: What building year I should seek when shopping for a house?

I would avoid anything built from 2003-2007. Too many corners cut in the race to build during the bubble, shortages of quality labor, potential issues with Chinese drywall in certain states, etc. I worked in the industry at the time and saw a lot of this first hand. When the bubble started crashing ...
by tim1999
Tue Mar 21, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 168
Views: 13658

Re: "Millionaire Next Door" Net Worth Formula

Lol @ the F-150 talk, which is somewhat dated in the context of that book. Reminds me that my primary care physician drives a circa 2015-2016 F-150 Platinum 4x4 which is essentially a 60k truck with heated/cooled leather seats, power everything, Sony stereo, nav, sunroof, etc. I don't think you coul...
by tim1999
Mon Mar 20, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 25
Views: 1845

Re: Salary / employment verification

Perhaps you could just have only your spouse's name on the lease and avoid the whole issue. They probably have some rule about verifying income of anyone on the lease, even if one person puts it way over the minimum requirement.
by tim1999
Mon Mar 20, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 4502

Re: Any downside in buying a brand new house ?

Where I live, almost all of the large, mass-subdivideable wooded tracts of land have already been built out. All that's left are the wide open cornfields. So, if you buy one of these new cornfield houses (which are almost always on small 1/4 to 1/3 acre lots) you have zero privacy and can see all of...
by tim1999
Sun Mar 19, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10664

Re: Paying $20 to E-File State Return

I've always printed it out and mailed it. Between paper, ink, envelope, and stamps I figure it costs me less than $2 to do so. And since I always owe the state money, it's not like I'm in a hurry to get it to them.
by tim1999
Sun Mar 19, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 1982

Re: Cheapest dress shirt to wear under a sweater

I ended up going to a different Boscov's location 30 miles away as I was in the area visiting relatives today, and found a few for between $9 and $17 each. Went to two additional Marshall's and both had almost zero in terms of dress shirts - only casual button downs, mostly with button-down collars,...
by tim1999
Sun Mar 19, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4097

Re: Looking for a snazzy car

Are you looking for something more snazzy or more jazzy? Jazzy would be any Buick. Snazzy would be a Toyota Avalon with a sunroof. Everyone at Del Boca Vista Retirement Village would be impressed with either. Just don't let Jack Klompus see it. He may accuse you of stealing funds from the Del Boca ...
by tim1999
Sat Mar 18, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 918

Re: "Allowance" for new car

In my part of the country, the dealer radio "screamer" ads all talk about a "minimum trade allowance" of, say, $5,000, meaning you can bring in some $500 junker that dies in their lot, and they will "give" you $5,000 on trade for it. But you are paying for it somewhere....
by tim1999
Sat Mar 18, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 1982

Re: Cheapest dress shirt to wear under a sweater

If you've got the time for a treasure hunt you could browse local Goodwill stores. Inconsistent sizing but lot of variety. Getting stuff from Goodwill can help to avoid comments from co-workers such as "New shirt?". Ehh, thanks but I have to draw the line somewhere, I don't wear other peo...
by tim1999
Sat Mar 18, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 1982

Cheapest dress shirt to wear under a sweater

In the winter I like to wear dress shirts underneath wool V-neck sweaters. Usually I have several button down dress shirts that have gotten too old or ratty to wear by themselves, but they still look good under a sweater where all you can see is the collar. Unfortunately all of the ratty ones I have...
by tim1999
Sat Mar 18, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 1668

Re: When does a new computer make sense...

I wait until they get so jammed up with crap from the internet that I can't seem to get rid that the slowness is frustrating. In recent years I've been able to get 3-4 years out of netbooks and desktops that I buy new for around $300-$400. On a 3-4 year old model it's not worth paying someone to fix...
by tim1999
Sat Mar 18, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 168
Views: 13658

Re: "Millionaire Next Door" Net Worth Formula

crazygrow wrote:This doesn't work well if you have a huge rise in income over a few years (for me it was 4x).


Agreed. I started out making peanuts right out of college for 5+ years, and thanks to a couple of job changes in my late 20s, my income tripled in just a couple years.
by tim1999
Sat Mar 18, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 168
Views: 13658

Re: "Millionaire Next Door" Net Worth Formula

It is generally worthless for anyone under age 35-40 or so, especially for someone who spent an extended time in professional school leading to a higher income such as a physician or biglaw attorney. The Financial Samaurai blogger gives much more realistic numbers, especially his "average net w...
by tim1999
Sat Mar 18, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Buying a Storage Unit with Condo...?
Replies: 23
Views: 1490

Re: Buying a Storage Unit with Condo...?

I'd be interested to know if there are any restrictions to leasing out the storage unit to a fellow resident of the condo complex. Some people need extra space for their "junk", and you may not need it at first. Then again, if both you and the renter keep your mouths shut, I don't know how...
by tim1999
Sat Mar 18, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 45
Views: 5126

Re: Want to buy a used Mini Cooper-> Talk me into it?

Try doing a search, I recall there was another Mini Cooper thread in the last few months, I believe someone had one that he/she was considering getting rid of before it basically self-destructed and the consensus was that those cars are junk outside of warranty.
by tim1999
Sat Mar 18, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4097

Re: Looking for a snazzy car

You can get a 2014 CPO Infiniti Q50 with low-ish miles for 23k-ish now. 328hp, 0-60 well under under 6.0 seconds, available AWD (all most all of them in northern states came with AWD) good sounds from the engine, good reliability from a proven engine. Original MSRP was $42k+ for most of them.
by tim1999
Fri Mar 17, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 2830

Re: won a car - want to sell

I won a car at a casino once. I contacted the dealer that was sponsoring the giveaway (they almost always have ads up where the car is parked prior to the giveaway) and made a deal to sell it back to them. I never even drove it. They just took it out of the casino, brought it back to the dealership ...
by tim1999
Fri Mar 17, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 58
Views: 5498

Re: Endless Job Interviews (with same company)

Where I work, it's a minimum of a phone screen with a recruiter from HR, a panel interview with the people you would be working with, and a smaller interview with just your potential boss as well as his boss. It's a megacorp and the hiring process moves at a glacial pace. Phone screen to your first ...
by tim1999
Thu Mar 16, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 15
Views: 1385

Re: Cord cutting: Masters Golf

Pretty much any restaurant/bar associated with a golf course that owns a TV will be showing it.
by tim1999
Thu Mar 16, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3097

Re: How do you cope with regret over selling too soon?

One of my favorite sayings is "A bird in the hand is worth two in the bush." Relates well to stock holdings.
by tim1999
Thu Mar 16, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1423

Re: Looking at refurbished desktop PCs

I prefer to buy the cheapest HP or similar desktop at Staples or Best Buy for around $300.
by tim1999
Wed Mar 15, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2664

Re: Relocation to Milwaukee

I don't know what your hobbies/leisure activities are, or where you are coming from, but keep in mind the winter weather is awful.
by tim1999
Wed Mar 15, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 10
Views: 670

Re: Anyone subscribe to Barron's?

I've been getting Barrons in the mail for probably 7-8 years now. As someone who messes around with individual stocks for part of his holdings, some of the stories have interest. Some of the data is useful to me, like listings of stocks hitting 52-week highs/lows, dividend increases/decreases, etc. ...
by tim1999
Wed Mar 15, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1309

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

This is my guess of ownership history based on that report (and I read a lot of Carfax/Autocheck reports) -Owner A leased it new, then after a few months probably either decided they didn't like the car or otherwise didn't needed it anymore. -Owner B in TN assumed the lease from Owner A and drove a ...
by tim1999
Wed Mar 15, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 4761

Re: What to do with $100???

Take your significant other out to dinner. If you don't have one, take yourself out a few times.
by tim1999
Tue Mar 14, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Temporarily registering new car at friend's address -- anything wrong?
Replies: 39
Views: 2092

Re: Temporarily registering new car at friend's address -- anything wrong?

Not sure if it's relevant, but according to dealer, their corporate office limits them to sales within their region, so they are required by their corporate office to charge higher prices for buyers outside the region (defined by new vehicle registration address). I call BS on this statement from t...
by tim1999
Tue Mar 14, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15927

Re: gratuitous homeownership items

I just remembered that my parents installed a whirlpool tub in a bathroom they were renovating back in the early 1990s. The whirlpool function was never used other than to test it when the installation was complete. Who knows if it even works anymore.
by tim1999
Tue Mar 14, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - Sewer Backup necessary?
Replies: 7
Views: 496

Re: Homeowners Insurance - Sewer Backup necessary?

You may want to investigate the cost of having a backflow prevention valve installed on your sewer lateral, then drop this coverage. Do you have a lot of trees growing around where your sewer line comes in from the street? Roots around older pipes can cause backups. If your line backs up, crap will ...
by tim1999
Tue Mar 14, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: Why don't things "feel" bubbly?
Replies: 76
Views: 8345

Re: Why don't things "feel" bubbly?

It is odd to me in that the permabears are being quiet, and in social circles pretty much nobody is talking about the market. Back in the tech bubble and 2007-ish the opposite was true for me. The issue is that pretty much everything else provides no return. Buy expensive stocks that will possibly k...
by tim1999
Tue Mar 14, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Ins. Company recommendations (any to avoid?)
Replies: 8
Views: 677

Re: Ins. Company recommendations (any to avoid?)

I have found that unless your medical record is flawless and you don't take any medications for anything, most life insurance companies want nothing to do with you, at least not unless for a ripoff price.
by tim1999
Tue Mar 14, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Did I Buy Too Much Home?!?!?!
Replies: 42
Views: 4389

Re: Did I Buy Too Much Home?!?!?!

California is weird and not like the rest of the country, but if your income is fairly secure, you can probably handle it.
by tim1999
Tue Mar 14, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: What's in Your Lock Box (Essential Documents)
Replies: 6
Views: 698

Re: What's in Your Lock Box (Essential Documents)

Pretty much nothing besides cash. All of the documents mentioned by others can be replaced fairly easily. Nobody needs a copy of their house deed, it is on public record. Car title duplicates are easily obtained from the state. I have never needed to present my social security card to anyone.
by tim1999
Mon Mar 13, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 3528

Re: How many pairs of jeans do you own?

None. I don't wear jeans.
by tim1999
Mon Mar 13, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 13575

Re: IWC Watch, any thoughts? [Wristwatch brand]

corn18 wrote:OP back again. I chose this one:

Image

It just fits what I want better than the other one.

Corn


To each their own, but this watch just looks cheap to me.
by tim1999
Sun Mar 12, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15927

Re: gratuitous homeownership items

glass shower doors Whomever had the ornate glass shower doors installed on my master bathroom tub prior to my ownership probably thought highly of them. I ripped them out and trashed them the first weekend I had the house. Such a pain in the rear end to clean the gunk out of the frames of those stu...
by tim1999
Sun Mar 12, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: Debate with friends on market timing, annuity, etc, thoughts?
Replies: 34
Views: 1764

Re: Debate with friends on market timing, annuity, etc, thoughts?

I know a guy like John. You aren't going to change his mind so don't bother trying, it will only hurt the friendship. He reminds me of a friend I have who I sometimes go to the local casino with. He has all kinds of stories about the times he had a big win and freely shares them. But he will never t...
by tim1999
Sun Mar 12, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15927

Re: gratuitous homeownership items

I purposely bought a house on a smaller than average lot with the thinking that it would be easy to maintain and would free up my time for leisure activities. While that has remained true, after a few years I am tired of being so close to my neighbors and would rather not have to see or hear them. A...
by tim1999
Sat Mar 11, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2609

Re: Re-applying for same job?

My current employer has an unspoken policy of "blacklisting" employees who quit and later reapply to the company. That seems like a silly policy. Why wouldn't a company want to rehire an employee who left on good terms? You'd have much better data on their performance than you would a typ...
by tim1999
Sat Mar 11, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2609

Re: Re-applying for same job?

My current employer has an unspoken policy of "blacklisting" employees who quit and later reapply to the company. That seems like a silly policy. Why wouldn't a company want to rehire an employee who left on good terms? You'd have much better data on their performance than you would a typ...
by tim1999
Sat Mar 11, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7130

Re: What Do You Keep In Your Bank Safe Deposit Box?

I've never had one in my life.
by tim1999
Fri Mar 10, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 4475

Re: Buying a rental car.. Any new experience?

This had been a fun thread to read! :D As someone who used to work for a rental car company, I would have no hesitation buying a rental car - but only if I could get it directly from the rental car company. The cars the rental companies sell directly to consumers represent a relatively small percen...
by tim1999
Fri Mar 10, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2609

Re: Re-applying for same job?

Interested people act interested. This employer isn't interested in you. I have received similar treatment from prospective employers. My current employer has an unspoken policy of "blacklisting" employees who quit and later reapply to the company.
by tim1999
Thu Mar 09, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 82
Views: 13288

Re: is anything 'cheap' out there?

Big oil is cheap in my opinion but I am not making any moves based upon that thought.

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