Search found 3204 matches

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: 1711

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: 3986

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: 7240

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: 1719

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: 1411

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: 4452

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: 2217

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: 1411

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: 1411

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: 2217

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: 1411

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: 1411

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: 7240

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: 424

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: 29
Views: 1962

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: 2324

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.
by tim1999
Thu Apr 06, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 6428

Re: Cost of Booze on a Cruise

To avoid the issue of bottles being detected in x-ray machines, one could perhaps wear one of those "booze vests" under their shirt filled with their favorite spirit. Since it's plastic, unless they make you go through a body scanner like at the airport, it would go undetected.
by tim1999
Thu Apr 06, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Unique position
Replies: 17
Views: 1044

Re: Unique position

Fast forward to the anger and finger-pointing following the resession and the rise of the TEA party (a "grass roots" organization mostly funded by the billionaire Koch brothers) and I was instantly labeled "a public funded leech who is sucking the state dry." Welcome to the foru...
by tim1999
Tue Apr 04, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 6428

Re: Cost of Booze on a Cruise

How do they enforce these "one bottle per person" rules? Do they search your bags? Some years ago my aunt was quite proud that she was able to fill up the biggest diet coke bottle the grocery store sells with her own homemade rum and diet coke mix and bring it on a cruise ship. She had som...
by tim1999
Mon Apr 03, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 4222

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

I am in my 30s and am not counting on receiving much if anything. I suspect at some point they will means-test out people with certain asset levels or incomes.
by tim1999
Mon Apr 03, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3847

Re: I don't understand how commercial real estate making money

We have a ton of empty storefronts in strip malls around here, seeming increasingly so in the last year or two. Including new shopping centers with big-name tenants (Chipotle, Verizon Wireless, etc.) that are unable to fill all of the storefronts. On the other hand, they cannot build "luxury a...
by tim1999
Mon Apr 03, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Verbal abuser at work
Replies: 37
Views: 2638

Re: Verbal abuser at work

We have such a bully at work. He will call you "f-ing stupid" to your face and if you don't have the right answer for what he is looking for he will angrily tell your supervisor of your deficiency. Unfortunately he has risen up into senior management (how this guy continuously gets major p...
by tim1999
Fri Mar 31, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3847

Re: I don't understand how commercial real estate making money

We have a ton of empty storefronts in strip malls around here, seeming increasingly so in the last year or two. Including new shopping centers with big-name tenants (Chipotle, Verizon Wireless, etc.) that are unable to fill all of the storefronts. On the other hand, they cannot build "luxury ap...
by tim1999
Wed Mar 29, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 79
Views: 7587

Re: Bankruptcy of Westinghouse Electric

From what I recall, they are (were?) a fairly major employer in the north hills of Pittsburgh up by Cranberry Twp. I assume those were mostly fairly good paying jobs. I feel bad any time I hear about something like this and the loss of family-sustaining type of jobs.
by tim1999
Wed Mar 29, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: MLP's and Non-Resident State Taxes
Replies: 19
Views: 3078

Re: MLP's and Non-Resident State Taxes

I held a few MLP's for maybe 4-5 years, had no more than perhaps $5,000-$10,000 invested in each one. I never filed taxes for them in non-resident states and never had any issues. The amounts attributable for each state were way under the minimum filing requirements anyway.
by tim1999
Wed Mar 29, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: Cars - possible recession indicator?
Replies: 21
Views: 3332

Re: Cars - possible recession indicator?

May be brand, model, or location dependent. The local Subaru lot is pretty bare, and usually is. The local Ford lot seems to have trouble keeping enough F-150's in stock but has a zillion Fusions and Focuses. The local Infiniti dealer has a packed-full showroom lot (mostly Q50's), and for at least 2...
by tim1999
Wed Mar 29, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 8087

Re: When do you plan to die?

No male in my family has made it past 72 except for one that passed back in the 1960s. Even if I last past that, I don't plan on sticking around much past the point where I can't drive or do anything other than sit in a chair all day.
by tim1999
Mon Mar 27, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Where to borrow a moving cart from
Replies: 11
Views: 1164

Re: Where to borrow a moving cart from

I bought a furniture dolly from UHaul for $20 a couple years ago. They also had hand-trucks that convert into flat carts for something like $60-70. Unless you have a "buddy" working there, I don't think most businesses will loan these items out for free without some kind of security.
by tim1999
Mon Mar 27, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7207

Re: Massive Student Loan Debt - Girlfriend

If you get married, get a prenup that clearly states that the 175k debt is and always will be hers alone. If things go splitsville, you will thank me later.
by tim1999
Sun Mar 26, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 21118

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

We don't have In-N-Out here. My rankings based on what we do have here: 1. Jake's Wayback (not really a fast food joint though) 2. Smashburger (takes forever at lunchtime unless you order ahead online) 3. Steak N' Shake 4. Five Guys 5. Wendys 6. McDonalds, but only when they have the Angus burger on...
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: 29
Views: 3026

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: 35
Views: 2059

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: 96
Views: 4378

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: 1148

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: 37
Views: 2410

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: 169
Views: 15074

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: 1443

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: 33
Views: 2503

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: 169
Views: 15074

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: 27
Views: 2225

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: 4959

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: 12752

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: 2305

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: 4547

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: 994

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: 2305

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: 2305

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: 1819

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: 169
Views: 15074

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.

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