Search found 3287 matches

by tim1999
Sun Oct 08, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2300

Re: What to do with unused paint?

This will make some people angry, but I make sure the lids are on properly then put it in thick contractor-style black trash bags and put it in the trash can for pickup. Where I live, the trash folks will take anything as long as they can't see what it is.
by tim1999
Sat Oct 07, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7429

Re: Do you want your receipt?

I always say no - who needs the extra trash in their pocket. They haven't printed credit card numbers on receipts in a long time so even if they print it and throw it away there is no problem. Plus with zero liability in an unlikely case where something to happen it wouldn't much matter. If they ra...
by tim1999
Sat Oct 07, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5701

Re: Roof shingles do not match - Neighbor sent notice

Where I live there are a lot of older twin homes and rowhouses with no HOA and no other rules governing them. It is quite common to see on a duplex two roofs of completely different colors. Unless both units are owned by the same person, the roofs on both are rarely replaced at the same time, and pe...
by tim1999
Fri Oct 06, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 3965

Re: Too much house? (nervous 1st time buyer)

How much are the annual property taxes on this house? HOA fees if any? Where I live, the property taxes on a 330k house could be $8,000+ per year and would sway me away from buying if I were living alone and didn't really need all that room.
by tim1999
Fri Sep 29, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1055

Re: Luggage locks

I use TSA locks from Walmart. Mainly because I travel often with a soft-sided golf club case and duffel bags with zippers. I don't want the zippers coming apart from being jostled around and spilling the contents all over the tarmac. My golf bag is always searched by TSA (they leave a notification s...
by tim1999
Mon Sep 18, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2394

Re: Convertible in Florida or not...

If you buy a convertible, do not get one with a black leather/leatherette interior, trust me. Go with a light color interior.
by tim1999
Mon Sep 18, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Frozen credit while job hunting?
Replies: 2
Views: 463

Re: Frozen credit while job hunting?

I recall always having to sign something first before a potential employer would check my credit/do a background check. I would unfreeze all at that time and say nothing to HR. You would theoretically have some advance warning that the moment was coming - notification of a second interview, asking y...
by tim1999
Sun Sep 17, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1392

Re: Should I upgrade an old but functional vanity?

I have the exact same outdated towel ring and matching toilet paper roll holder. Both are functional but just look old/cheap. I'd probably upgrade the bathroom if I were going to sell the place, and could get "free" family labor to do it, but otherwise it serves me fine.
by tim1999
Sat Sep 16, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Local Real Estate Agents recent ads - claim to have thousands of buyers??
Replies: 4
Views: 519

Re: Local Real Estate Agents recent ads - claim to have thousands of buyers??

I don't know about Washington DC, but in my market we have a big-time who advertises heavily that he will buy your house for cash if he can't sell it in some period of time (60 days?). The catch is that he pays a fire-sale price, on par with what one might pay a bank for a foreclosed house or even l...
by tim1999
Thu Sep 14, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18237

Re: Is it really Worth it to brown bag your lunch at work?

I never bring lunch to work from home unless it's leftovers from a restaurant dinner the night before. Spending a couple of extra bucks a day to eat in the work cafeteria or local fast casual place ($5-9 range) is an affordable luxury and I don't care if it will mean that with compounding interest I...
by tim1999
Sun Sep 10, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 2831

Re: Who actually buys lottery scratch offs?

I never buy scratch offs. My parents do give me around $20 worth around Christmas time and have done so for many years. Most I ever won on a single ticket from those batches was $5. 90% of the time the tickets win nothing. I do buy a draw-type lotto ticket every other week or so where the top prizes...
by tim1999
Sun Sep 10, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: NJ Teacher Lost with 403bs
Replies: 30
Views: 3716

Re: NJ Teacher Lost with 403bs

I have to admit the first couple of times I saw this thread title I thought it was about a teacher from NJ who lost 403 pounds of body weight.
by tim1999
Sat Sep 09, 2017 7:11 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3261

Re: New Mobile Phone number - Now hounded by Collection Agencies

This happened to me when I got a new work cell phone number a few years ago. The previous owner was apparently a deadbeat with numerous collectors calling. The calls died down after a couple of months. I also don't answer calls from any number I don't recognize. The bill collectors almost never leav...
by tim1999
Thu Sep 07, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Auto body repair: What to do about car insurance?
Replies: 21
Views: 1476

Re: Auto body repair: What to do about car insurance?

Accident history on Carfax reports comes mainly from police reports. Very few if any collision repair centers report to Carfax. If the cops weren't involved, I wouldn't worry about it. Last time I hit a deer, I purposely didn't report it to the police because I figured not only would it then make it...
by tim1999
Wed Sep 06, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8689

Re: When calculating net worth, how do you value your house?

What similar houses nearby are actually selling for (sold price, not listing price), minus 7% for realtor commission and transfer taxes, minus mortgage balance.
by tim1999
Mon Sep 04, 2017 6:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16953

Re: [Are the Bogleheads] getting less interesting?

Whenever I read one of those posts from someone from California saying "I'm 35 years old, earn $400k/yr and am worth $5 million, am I doing OK?" I get turned off and avoid the forum for awhile. It seems like there have been more of those recently.
by tim1999
Mon Sep 04, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Service organizations/Dinner clubs?
Replies: 10
Views: 982

Re: Service organizations/Dinner clubs?

Keep in mind that the members of these types of groups/clubs tend to be on the older end of the spectrum these days, and there have been many news stories about declining membership levels; probably not a ton of early 40s men there. Nothing wrong with that, just set your expectations properly. I hav...
by tim1999
Mon Sep 04, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 82
Views: 66453

Re: Experience selling car to Carmax?

I recently sold a deceased relative's car to Carmax. Painless experience. I probably could have gotten more money on craigslist, but this particular type of car would have drawn a lot of joyriding tire-kickers with no money (10 year old low mileage but not rare V8 Mustang in nice condition) and bein...
by tim1999
Mon Sep 04, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Need to Shred Old Checks? Old Credit Cards?
Replies: 18
Views: 1779

Re: Need to Shred Old Checks?

I'd shred or burn them. Even though the account was closed and had no money in it, I'd be afraid some crook would get ahold of them and go around town writing "bad checks" or goods or services with my name and address on them.
by tim1999
Mon Sep 04, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Hazardous Tree
Replies: 15
Views: 1745

Re: Hazardous Tree

My guess is that they will do nothing about it, especially since it looks like it's in an unmaintained woodland area. Of course, if it falls into your yard, and you put the pieces of downed wood back onto the open space property, they may cite you for illegal dumping... :oops:
by tim1999
Mon Sep 04, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2889

Re: Are you a "car guy" or "car gal", how do you fund?

I usually have several "nice" cars at any given point in time. No beaters, I am not mechanically inclined plus have no patience for dealing with breakdowns. I either buy off-lease cars after very careful consideration (not uncommon for me to weed through 50+ examples of a particular year/model to fi...
by tim1999
Sat Sep 02, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 2916

Re: Would you rather (car wash/detail)

Automatic machine carwash = guaranteed swirl marks/scratches, pretty much, and that is why I refuse to use them. For me it's hand wash it myself or nothing.
by tim1999
Sun Aug 27, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 212
Views: 24831

Re: What is Bitcoin?

On Friday, my dental hygienist, who seems to get interested in every "get rich quick" scheme that comes down the pike, expressed great interest in buying Bitcoin for appreciation. This is one of my usual indications that something is reaching bubble status, like that old great depression tale of the...
by tim1999
Sat Aug 19, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8580

Re: Is $9000 too much for a sectional sofa ?

My initial thought would be that if you are never going to have enough people needing to sit in that room to need a 4 piece sectional sofa, then it is a waste of money for $9,000.
by tim1999
Sat Aug 19, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7219

Re: DUI lawyer - need advice

In my anecdotal experience, the only cases where a super expensive/highly reputable attorney could gain you any advantage are ones where it's questionable whether the attorney had probable cause to conduct the traffic stop, or there were serious errors in the way the police conducted the BAC testing...
by tim1999
Fri Aug 18, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4718

Re: Powerball - $510 million?

I probably buy maybe 20 lotto tickets per year, one at a time, anytime MegaMillions or Powerball gets over $300 million or so.
by tim1999
Wed Aug 16, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5027

Re: Best Housing To Avoid Noise

Look at a map of the area of the house and see if there is an airport capable of handling jets within say 5 miles or so. "Draw" lines straight out from either end of the tips of each runway for several miles. Avoid buying a house within a mile or so of each line. I am amazed at how many people buy h...
by tim1999
Tue Aug 15, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3436

Re: What kind of hotel do you get on business travel?

I usually stay at the IHG chain, meaning Holiday Inn/Holiday Inn Express/Crowne Plaza/Hotel Indigo/Candlewood. Seems most people I work with either stick with the IHG or Hilton chains exclusively, or stay at the place closest to the destination facility no matter what brand it is. We do have some pe...
by tim1999
Tue Aug 15, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2849

Re: PSA - Mute button for Gas Station TV!

I get fewer disgusted looks from the opposite sex if I watch the TV rather than people-watch as I wait for my gas tank to fill up, so I don't mind the sound.
by tim1999
Sat Aug 12, 2017 5:33 am
Forum: Personal Consumer Issues
Topic: Computerized car maintainance records or service history?
Replies: 5
Views: 591

Re: Computerized car maintainance records or service history?

Our company fleet vehicles get their oil changed at the Valvoline chain quick oil change places and those records show up on Carfax. Also, in my area the records from some of the higher-volume independent shops show up on Carfax.
by tim1999
Tue Aug 08, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2560

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

Playing a multi-line slot machine for one penny and one line per bet has to rank up there with the most boring things to do in a casino, right behind sitting in your room and staring at the wall. I mean, even if you hit the biggest possible payout for that bet (many machines require playing max bet ...
by tim1999
Mon Jul 31, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 160
Views: 26752

Re: $13 Million Goal for Early Retirement (am I crazy?)

For someone in their mid 30s I think I've done pretty decently financially in life. I read threads on here with people my age posting numbers well above mine, but then get to the part where they are IT-type workers in California, and I breathe a sigh of relief because I work in an old economy indust...
by tim1999
Mon Jul 31, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 54
Views: 3851

Re: About to buy a rental car, any advice?

I've warmed up to the concept of buying a used rental car, especially since the rental fleets seem to have more variety these days, not just the base models of yesteryear. The only ones I would probably avoid are economy-type cars from Enterprise. They do a lot of insurance replacement rentals with ...
by tim1999
Sat Jul 29, 2017 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 4586

Re: Any pilots here? [as a career]

It will still be a long road to all of the required minimum hours, certificates, and type ratings, but perhaps a second career as a corporate/charter jet pilot could be an option. There have been (false?) cries about a pilot shortage for years. For awhile I think it was just because the regionals in...
by tim1999
Wed Jul 26, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 2461

Re: Do people really buy foreclosures unseen?

On any foreclosure listing it says: NO VIEWINGS of this property. Please DO NOT DISTURB the occupant. "As is" cash only sale with no contingencies or inspections. Buyer will be responsible for obtaining possession of the property upon closing. Surely there must be some way of viewing the property. ...
by tim1999
Wed Jul 26, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7130

Re: Post Nuptial agreement guaranteeing alimony?

Sounds like this is less about the OP legitimately needing the money in the future, and more about spite or revenge. That is sad.
by tim1999
Wed Jul 26, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3793

Re: Golfers - need to ramp up ASAP!

I would suggest you skip the golf portion of the reunion. Unless your foursome sets the goal for the round as getting drunk, it will likely be a very frustrating/not fun round for both yourself and possibly your playing partners. If you decide you still want to play, I don't see the point in spendin...
by tim1999
Mon Jul 24, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: car lease buyout at term end - how negotiable?
Replies: 25
Views: 2259

Re: car lease buyout at term end - how negotiable?

In my experience with 3 import manufacturers, they will not negotiate the residual at lease-turn in but will often offer special financing rates or extended warranty deals. The dealer you turn the car in to usually gets "dibs" on buying it from the manufacturer and they usually want to keep the cle...
by tim1999
Mon Jul 24, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: 2017 Genesis
Replies: 34
Views: 3896

Re: 2017 Genesis

bubbadog wrote:Given the high depreciation of these models, I lightly used one looks like it might be a good value. Why not shop around for a 1-2 year old example.
+1 on this, 2015-2016 used models in the latest bodystyle are good values right now, initial depreciation was steep on these models.
by tim1999
Fri Jul 21, 2017 5:40 am
Forum: Personal Consumer Issues
Topic: car lease buyout at term end - how negotiable?
Replies: 25
Views: 2259

Re: car lease buyout at term end - how negotiable?

In my experience with 3 import manufacturers, they will not negotiate the residual at lease-turn in but will often offer special financing rates or extended warranty deals. The dealer you turn the car in to usually gets "dibs" on buying it from the manufacturer and they usually want to keep the clea...
by tim1999
Tue Jul 18, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7274

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

At this point in time, finding and using ethanol-free gasoline is probably more important than which brand of mower you buy.
by tim1999
Fri Jul 14, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 10682

Re: Do you count vehicle equity in net worth?

I count them because I own several more than I need for daily transportation, and all are debt-free. They could be sold quickly for cash if needed and are indeed assets, albeit ones that gradually decline in value.
by tim1999
Fri Jul 14, 2017 5:31 am
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 4196

Re: Hotel tipping: how much to leave?

I usually do not want housekeeping in my room during my stay and I leave the "do not disturb" sign on the door throughout. On the morning of my departure I will leave maybe $5 if I've left the room particularly messy, otherwise nothing. I'd guess I end up tipping maybe only 20% of the time, and almo...
by tim1999
Sun Jul 09, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5547

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

The OP is asking a question, and everyone is telling him to bring a sandwich or salad from home. Your advice is good, but it's not the advice he's asking for. My own thinking was that by buying brand-name cold cuts (Boars Head, Dietz & Watson, etc.) and making a sandwich at home, OP would probably ...
by tim1999
Sun Jul 09, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5547

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Buy better quality breads and name brand meats at a decent supermarket and make your own sandwiches at home to bring to work.
by tim1999
Sat Jul 08, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 8058

Re: Switch to federal job?

Anecdotally, every federal worker I know personally works fewer hours for similar pay but better benefits than their private sector counterparts once they have been in the job for awhile. Will not always be true, but at least is the case in my line of work. (GS-12/13/14 jobs).
by tim1999
Sat Jul 08, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Alternative to Carfax?
Replies: 2
Views: 416

Re: Alternative to Carfax?

Autocheck is regarded as Carfax's main competitor. Carfax does often have maintenance records listed, which Autocheck usually does not. Autocheck seems to be anecdotally better regarded on the car forums I read as it supposedly has more information on auction sales transactions and has better/more i...
by tim1999
Sat Jul 08, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 53
Views: 4438

What to wear for job interview - skip the tie?

I have my first in-person job interview coming up relating to a recent job search (grown to hate my current job - that's another story), first I've had in probably 10 years, other recent ones have been by phone only. Without giving too many details, the prospective employer is much like my current e...
by tim1999
Sun Jul 02, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: People who receive employer 401k contributions, how is it accounted on paystubs?
Replies: 28
Views: 2408

Re: People who receive employer 401k contributions, how is it accounted on paystubs?

My employer 401k contributions do not appear on my pay stubs/vouchers/statements/whatever you call them now that they are online only, never have.
by tim1999
Wed Jun 21, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 2261

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.