Search found 3544 matches

by tim1999
Fri Apr 19, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 72
Views: 2417

Re: At what point would you hire someone vs. cut down a tree yourself?

I have no easy way to get rid of the wood and debris from even a small tree, so to me it is worth it to hire a pro even for minor trimming and let them chip it up and haul it away. Bulk trash/yard waste removal by the municipality is only quarterly here, and I don't want to leave that stuff laying i...
by tim1999
Thu Apr 18, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 21
Views: 1407

Re: Is it worth renting a car in Vegas?

If either you or your wife have MLife casino players' cards (and if you gamble, you should), self-parking is free at MGM Grand and the other MLife resorts for any status level above the bottom level. (Pearl or higher). Gold and higher gets free valet parking. If you earn the status during your stay,...
by tim1999
Mon Apr 15, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: how long to have mailed check cashed by IRS?
Replies: 13
Views: 1085

Re: how long to have mailed check cashed by IRS?

Mine hit my account 5 days after dropping it in the mail.
by tim1999
Sun Apr 14, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: How do you solicit 360 degree feedback?
Replies: 20
Views: 1492

Re: How do you solicit 360 degree feedback?

My last employer that did this paid some service to do it on the internet. The employee would get an emailed link to a site to answer "rate the person on quality X from 1 to 10" type questions and then answer some open ended ones about the employee being evaluated. After a certain date, everyone got...
by tim1999
Tue Apr 02, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 36
Views: 3217

Re: Boglehead Pilots...advice

Get the medical exam done and passed before you spend another ounce of money or effort otherwise on this.
by tim1999
Thu Mar 28, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 1939

Re: What golf ball do you use?

Low handicap. Titleist ProV1. Titleist has their annual "loyalty" offer going on now, where if you buy 3 dozen they give you a 4th free, and include free personalization and shipping. Works out to about $36/dozen with several online retailers (I use Budget Golf from IL).
by tim1999
Tue Mar 26, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4627

Re: High School Senior Pictures

The "free" senior yearbook pic I received ended up looking great, they airbrushed all of my zits away. So much so that my parents bought one of the packages of prints in various sizes offered for maybe $250 in today's money. It was money well spent at the time, all of my relatives liked the pics.
by tim1999
Mon Mar 25, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 784
Views: 76336

Re: What frugal thing did you do today?

I attended a professional development class in which a separate break room full of free snacks - little bags of chips/pretzels, bananas, apples, chocolate bars, granola bars, etc. - was provided. I was the first one to leave the class at the end since I was the only one not required to take the exam...
by tim1999
Mon Mar 25, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8438

Re: Tattoos and Bogleheads

Never had one and never will. Just not my thing. I also find them to be very unattractive on members of the gender I am attracted to.
by tim1999
Sun Mar 24, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Lock Strategy for New House
Replies: 40
Views: 2647

Re: Lock Strategy for New House

I don't do anything special for the locks or doors since it would be far easier for a burglar to just break a window to get in if he didn't feel like kicking the door in. Any burglar who makes it into my home would be severely disappointed in the contents anyway.
by tim1999
Sun Mar 24, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Inspection Negotiations for New Home Purchase
Replies: 25
Views: 1566

Re: Inspection Negotiations for New Home Purchase

Personally I would not under any circumstances want to be left with a pool table, those can be major pain in the rear to get rid of. I'm guessing the tractor is kinda old or junky, otherwise they would sell it. For repairs I generally want the seller to give me a credit at closing, otherwise the sel...
by tim1999
Fri Mar 22, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: [Golf club] Driver for 18 handicap young senior.
Replies: 24
Views: 766

Re: [Golf club] Driver for 18 handicap young senior.

Get fitted, even a free quickie fitting at a big box golf store is going to be better than just picking something off the rack randomly. At least then they can figure out the right shaft flex and loft for you on a particular model of club. I've never seen your swing, but if you "don't get enough air...
by tim1999
Thu Mar 21, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: What is the official nail clippers of the Boglehead Community?
Replies: 30
Views: 2237

Re: What is the official nail clippers of the Boglehead Community?

Some cheapo no-name metal thing I bought in a drugstore 15 years ago.
by tim1999
Thu Mar 21, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 4999

Re: Do you still wear a necktie to work?

Nobody in my megacorp division office of hundreds of people wears a tie to work except for this one weird guy who is always way overdressed for whatever reason even though he has a job on the lower end of the salary grades. Senior management occasionally wears jackets but no ties. The last time I wo...
by tim1999
Wed Mar 13, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 7760

Re: Bright daughter wants to work for nonprofit

She's an adult, it's her life. If she ends up not liking this new nonprofit job within a year or two, the job market is strong enough in most professional fields right now that she should not have much trouble switching back to her previous path.
by tim1999
Sat Mar 09, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Who polices Roth IRA contributions?
Replies: 7
Views: 1306

Re: Who polices roth ira contributions?

A little birdie I know accidentally contributed to a Roth IRA in a year she was not eligible to do so due to exceeding the income limit, about 12 years ago, and the IRS never said anything. She decided to roll the dice and see if they would catch her rather than go through the rigmarole of backing o...
by tim1999
Tue Mar 05, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Wife got company car. Should we sell 2 year old car?
Replies: 36
Views: 2997

Re: Wife got company car. Should we sell 2 year old car?

I recall being at a rental car office at the Detroit airport about 5 years ago where a woman was absolutely having a meltdown because the rental agency wanted to give her a Hyundai (the lot was nearly empty) when she was apparently in town to sell something to Chrysler and insisted on getting a Chry...
by tim1999
Tue Mar 05, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1321

Re: Anybody have a vehicle with ventilated driver's seat?

No, but I did have a Ford F-150 for a year as a company vehicle that had cooled leather seats. Like, blows actual cold air on your butt. Those were great. I don't see mere "ventilated" seats being that worthwhile though.
by tim1999
Tue Mar 05, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Median net worth of Bogleheads?
Replies: 17
Views: 2269

Re: Median net worth of Bogleheads?

The median numbers without SS/pension in my age group (35-40) really surprise me as to how high they are. Impressive for those who own those numbers but sort of question my belief that I myself was doing great. Then again, this forum includes a lot of CA tech types and physicians who earn several mu...
by tim1999
Fri Mar 01, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8078

Re: Priority boarding - Why?

Other than the overhead bin space, my main reason is on an airline with open seating like Southwest, getting to sit near the front to get off the plane quicker (takes forever to get off the plane from the back of a full 737) plus I can have more choice of who to sit next to, so as to not have to sit...
by tim1999
Mon Feb 18, 2019 8:35 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8617

Re: How many bogleheads do you know in real life?

I work with a bunch of non-IT engineers who almost all appear to be pretty frugal, and in some instances, downright cheap. Certainly they have high savings rates because they don't appear to spend much money on anything. But I have no idea whether they are following boglehead investment philosophies...
by tim1999
Sun Feb 17, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7525

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

If your heart is set on an A6, go with a 2017 or 2018 CPO model. 3.0T can be had for $35k or less. The depreciation on them is terrible when new even compared to other Audis.

That being said, I don't think I've seen any man under 55 driving a current model A6.
by tim1999
Sun Feb 17, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Continue with home project or not?
Replies: 37
Views: 3251

Re: Continue with home project or not?

The applicable municipal or county regulations where you are located should be governing this process, not the whims of NIMBY neighbors. Unless the neighbors have found some kind of technicality in town ordinances, building requirements, deed restrictions, etc. applicable to this property that you a...
by tim1999
Fri Feb 15, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Where to stay for 3 nights in Phoenix
Replies: 6
Views: 692

Re: Where to stay for 3 nights in Phoenix

Which stadium is the game at?
by tim1999
Fri Feb 15, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Nissan Slate of SUV's
Replies: 16
Views: 884

Re: Nissan Slate of SUV's

Atilla wrote:
Fri Feb 15, 2019 1:39 pm
Nissan's CVT transmission is a deal killer. Those things are horrendous.
This
by tim1999
Mon Feb 11, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: fire buyer's real estate agent
Replies: 34
Views: 2567

Re: fire buyer's real estate agent

I would just send them an email or text saying either you've decided to hold off on buying and don't need their help anymore. If they try to call you after that, which if they are pushy they will for sure, don't answer. Don't even listen to the voicemail, just delete it. I think giving them a partin...
by tim1999
Mon Feb 11, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Side hustle on resume?
Replies: 15
Views: 1115

Re: Career Advice: Side hustle on resume?

I would leave it off the resume, but mention your involvement in the band if the interviewer strikes up small talk on your interests outside of work. Actually, I wouldn't even mention a band unless they ask if you are in one, just that you play an instrument. There are a lot of really uptight, judgm...
by tim1999
Sun Feb 10, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5751

Re: Did you investigate your partner's financial background before committing?

We disclosed all accounts/assets/liabilities (with statements as proof) and exchanged credit reports when my attorney drafted our pre-nup and my partners' attorney reviewed it. Before that, we had discussed our financial standings enough that we had general ideas about what we each owned and owed. I...
by tim1999
Tue Feb 05, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: How to give notice to unresponsive landlord without his address?
Replies: 47
Views: 2878

Re: How to give notice to unresponsive landlord without his address?

"The county tax assessment site lists the rental property address as the owner's mailing address." I'm trying to figure out how that works. We get an annual property tax bill - we wouldn't know how much to pay otherwise. And they have you mail in a payment voucher with the check. So how is this lan...
by tim1999
Mon Feb 04, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: How to give notice to unresponsive landlord without his address?
Replies: 47
Views: 2878

Re: How to give notice to unresponsive landlord without his address?

Are real estate sales in the public record in her jurisdiction? I suspect so. If that is the case, she could probably pull the original sales record to determine his address at the time of sale. She could then send a certified letter to that address. The deeds and related paperwork in public record...
by tim1999
Mon Feb 04, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: How to give notice to unresponsive landlord without his address?
Replies: 47
Views: 2878

Re: How to give notice to unresponsive landlord without his address?

She should also CALL him, since she has his phone number ... "Bob, can I get a mailing address to send you written notice of my intent to end my lease when it expires on 3/15/19"? Exactly! If you can text, you can call. Do that. She did try calling him twice after a few days went by with no answer ...
by tim1999
Mon Feb 04, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: How to give notice to unresponsive landlord without his address?
Replies: 47
Views: 2878

Re: How to give notice to unresponsive landlord without his address?

Yes - send certified letter - return receipt. Has the rent due Feb 1 been paid yet? Not paying the rent might get his/her "attention" Yes, it has been paid. Maybe check with his/her tenants at the other properties? Could try that, though I would suspect its the same situation there. Is there an att...
by tim1999
Mon Feb 04, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: How to give notice to unresponsive landlord without his address?
Replies: 47
Views: 2878

How to give notice to unresponsive landlord without his address?

My cousin asked me for help with this situation knowing that I used to be a landlord years ago, but this involves an issue I never had to deal with. She needs to give her landlord 30-day written notice that she will not be renewing the lease when it expires. This is a residential detached house. Thi...
by tim1999
Mon Feb 04, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Car Benz C-300 Not starting often - Dealer no Help
Replies: 45
Views: 2836

Re: Car Benz C-300 Not starting often - Dealer no Help

You will get better advice posting this issue on the mbworld.org forums, just make sure you pick the right one for your car, which is known as a W204 sedan in their parlance.
by tim1999
Sat Feb 02, 2019 9:01 am
Forum: Investing - Theory, News & General
Topic: "House Rules," Clements on the finances of homeownership
Replies: 63
Views: 6776

Re: "House Rules," Clements on the finances of homeownership

....13. A real estate agent’s greatest financial incentive isn’t to get us the best price, but to get us to act quickly.... I can tell you from very recent experience, that sure is the truth. On my latest home purchase I worked with a buyer's agent who became extremely pushy once I narrowed in on a...
by tim1999
Sat Jan 26, 2019 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate age to communicate your will/wishes to your kids
Replies: 57
Views: 4161

Re: Appropriate age to communicate your will/wishes to your kids

At some point when I was in high school, my parents made me aware of the existence of their will, where it was physically kept in the house, and who the attorney was that drafted it.
by tim1999
Fri Jan 25, 2019 8:27 am
Forum: Personal Investments
Topic: Buy pacific gas and electric?
Replies: 43
Views: 4127

Re: Buy pacific gas and electric?

I am likely wrong but I was always under the impression that the common stock gets completely wiped out in a bankruptcy and the holders get nothing?
by tim1999
Fri Jan 25, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Advice on how to change dentists
Replies: 25
Views: 1867

Re: Advice on how to change dentists

I just called the old dentist's office when I knew they would be closed, left a message cancelling my next appointment, mentioned that I was going to see a different dentist, and said thanks for having me as a patient. The new dentist had zero interest in obtaining past records, he took all new x-r...
by tim1999
Thu Jan 24, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: Advice on how to change dentists
Replies: 25
Views: 1867

Re: Advice on how to change dentists

I just called the old dentist's office when I knew they would be closed, left a message cancelling my next appointment, mentioned that I was going to see a different dentist, and said thanks for having me as a patient. The new dentist had zero interest in obtaining past records, he took all new x-ra...
by tim1999
Mon Jan 21, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6707

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I wouldn't go if it were free. Despite being a born-and-raised American man, I have always had zero interest in professional sports. I am aware in certain common social circles that just does not compute.
by tim1999
Sat Jan 19, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 14206

Re: How much money did you receive from family? (Gifts/inheritance)

She passed when I was in elementary school, but my grandmother left me enough to pay for my 4-year college degree. It was the bulk of her estate. In fact, she made it clear both in the will and to my parents that the money was to specifically pay for me to go to college. There were a few thousand bu...
by tim1999
Sat Jan 19, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8411

Re: Divorce w/child. Spouse wants to move.

I would suspect if a child is involved, and the child will be living with your ex-spouse going forward, a court is going to be telling you how you will be splitting assets, you won't be choosing.
by tim1999
Tue Jan 15, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2471

Re: End of an era - Boeing 727

D. B. Cooper’s plane of choice. Lots of good memories flying on these as a kid on TWA. Last few rows were a noise torture chamber, but you felt the power. FedEx flew them into my local regional airport until they were retired. They donated one to a local maintenance training program and it still sit...
by tim1999
Sat Jan 12, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: 29 Y.O. with a $60,000 bonus
Replies: 23
Views: 2434

Re: 29 Y.O. with a $60,000 bonus

Spend $2,000 on experiences you enjoy, or take a trip to somewhere you've wanted to go.
by tim1999
Thu Jan 10, 2019 11:15 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9838

Re: Did you ever "win" big?

In the late 1990s I bought a small amount (like $1,000 maybe?) worth of company called Cross Timbers Oil, which later became XTO Energy, then merged with ExxonMobil. It went up like 5 times what I paid for it in just a few years. I also purchased stock in the now-defunct retail chain Bradlees for li...
by tim1999
Sun Jan 06, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are we at "Peak FI"?
Replies: 93
Views: 10119

Re: Are we at "Peak FI"?

A couple of my observations: -I've never heard FIRE mentioned outside of the internet. And rarely outside of Bogleheads or Reddit. I even work with a bunch of younger (non-tech) engineers, and while they tend to be fiscally conservative types, I get the sense that most of them aren't trying to live ...
by tim1999
Sat Jan 05, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Best way to move on from pricy car?
Replies: 35
Views: 2336

Re: Best way to move on from pricy car?

darrvao777 wrote:
Sat Jan 05, 2019 10:19 pm
It looks great.
Heh. To each their own. I think they are beyond ugly.
by tim1999
Sat Jan 05, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 8023

Re: United, American, Delta--about the same?

If you don't have any frequent flyer status on any of them, then I would focus on the convenience of the arrival/departure times and the length of the layover; not so short that you easily risk missing it (hour or less), not so long that you are sitting in the hub airport for 3+ hours.
by tim1999
Thu Jan 03, 2019 8:23 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 234
Views: 29409

Re: Social Security for Millennials

For my own planning purposes I figure I will get something out of SS, but not until age 70+ and then probably 50-75% of the current full benefit.
by tim1999
Tue Jan 01, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 4095

Re: Uber/Lyft where do you sit?

Back seat, passenger's side. Just feels like the place to be.