Search found 3360 matches

by tim1999
Sun Jun 17, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 58
Views: 4356

Re: how to make friends in new location?

I'm guessing you and your wife are in your 30s and don't have kids? I unfortunately have no solutions, but can report that my child-free spouse is having similar issues in a new geographic area. It can be very difficult to make friends as an adult in your 30s when it seems literally everyone you mee...
by tim1999
Sat Jun 16, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 16
Views: 1347

Re: Take a job with a company being acquired?

Also keep in mind that the post-merger cuts don't always happen immediately, but sometimes up to a year or two down the road, as the senior management of company A observes the folks from company B and decides who they don't like or who they feel is unnecessary or underperforming. The one time I was...
by tim1999
Thu Jun 14, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3534

Re: Non-alcoholic drinks for wedding

If the heavy drinkers on the guest list are aware of the fact that the wedding is dry beforehand, they will bring their own flasks or keep coolers of beer in their cars for "relief". So don't worry about accommodating them. I can speak from personal experience. I'll add that many of the non-drinkers...
by tim1999
Thu Jun 14, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9310

Re: Timeshare ever worth it? Please share details

I could never understand how these could in any way be a better deal or otherwise more favorable than just renting a hotel room for a week in the location you want to vacation at.
by tim1999
Wed Jun 13, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 103
Views: 14071

Re: [favorite] Boglehead quotes

Here's an old one that served me well:

"Maximum tolerable loss x 2 = Maximum equity allocation"
-Adrian Nenu
by tim1999
Tue Jun 12, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 15850

Re: Should I take possession of a certified mail?

If he actually filed a suit against the OP, the paperwork on that would come from the court, not the handyman. I’d still accept and open the letter out of curiousity. In a prior job we sent certified letters to prove we attempted to communicate with a person, whether they accepted it or not from the...
by tim1999
Sun Jun 10, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: New or used Genesis reviews
Replies: 14
Views: 1760

Re: New or used Genesis reviews

eagleeyes wrote:
Sun Jun 10, 2018 1:19 am
The boglehead in me wants to buy one used. These cars are awesome but seem to not hold value the same way a Lexus does. Is that no longer the case?
No, nothing has changed, you can get an off-lease 2015 Genesis with <36k miles for half or less of the original MSRP.
by tim1999
Sat Jun 09, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease for parents
Replies: 37
Views: 2520

Re: Car Lease for parents

Your parents are at about the too old to drive age honestly. I'd be looking at nursing homes, not a new car. Additionally, most drivers I've known at that age end up with a bunch of scratches and scrapes on their cars from bumping into things in parking lots, their garages, driveways etc. which wou...
by tim1999
Fri Jun 08, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3349

Re: Found an FSBO home for sale. How to avoid Realtor?

As others have said, the title company can handle the title search, escrow process, and settlement. You may wish to have a real estate attorney handle drafting the sale contract and review the title report, but this shouldn't cost you more than a few hundred bucks unless it's a HCOL. In my experienc...
by tim1999
Wed Jun 06, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Trade in advice [Car]
Replies: 23
Views: 1686

Re: Trade in advice [Car]

My experience has been that if your car is less than, say, 6-7 years old, in very clean condition, with low to average miles, Carmax will give a solid wholesale price as it is a car they can put on their lot for sale usually with a considerable markup. If it's older, cosmetically beat, or high milea...
by tim1999
Tue Jun 05, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 4953

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

Housing prices for both buying and renting have greatly increased since the depths of the post-housing bubble apocalypse in Phoenix, especially in the areas with the shorter commutes to major employment centers. They are almost back to mid 2000s bubble levels. Rental homes that aren't total dumps re...
by tim1999
Mon Jun 04, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: what to do if win some lottery money
Replies: 21
Views: 2897

Re: what to do if win some lottery money

Sign the back of the ticket and keep it in a safe place until you can personally bring it to the lottery office. You usually can't take this level of winning ticket to the retailer for processing. Basically, call the lottery folks and tell them what you have. No reason to talk to an attorney unless ...
by tim1999
Wed May 30, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7416

Re: Advice on neighbor not keeping up his property...

She is creating a rodent problem, and the public health people can’t do anything? I am not sure if allowing trees to overgrow your backyard always necessarily constitutes "creating a rodent problem." I have a (mostly) heavily wooded backyard with old growth forest and a ravine and stream running th...
by tim1999
Tue May 29, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 36
Views: 4094

Re: Quality decline in off-brand alkaline batteries?

My significant other has a habit of buying cheap dollar store batteries, despite me asking not to. They only seem to last for a small fraction of the Duracell/Energizer batteries in either shelf life or actual use, and have had corrosion/leakage issues, even just sitting in a plastic bag on a shelf.
by tim1999
Tue May 29, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7416

Re: Advice on neighbor not keeping up his property...

Neighbor in the back, kitty-corner from my house is a complete mystery. In the at least 15 years since she moved in I don't believe I have ever seen her. I don't understand these kinds of people either. Friend of mine has been living next to one for 10+ years. Lady had bought the house with her hus...
by tim1999
Tue May 29, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1365

Re: What is a reasonable amount of time to spend cleaning a house prior to showing

In our last house we had a cleaning person come in regularly every 2 weeks. We did not increase that frequency when we put it on the market, but timed one of the regular cleanings for the day before it went on the market. It went under contract in a week. We just removed clutter and junk we were goi...
by tim1999
Tue May 29, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle
Replies: 65
Views: 8162

Re: The Side Hustle

I've never really had one during my post-college career. I've always lived comfortably within my means created by my "day job", and prefer to spend my time outside of my "day job" on leisure activities I enjoy doing instead.
by tim1999
Tue May 29, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 742

Re: Selling car in CA, titled in absent owner's name

Be sure to inquire about some type of "mileage certification" signed by owner when you talk about documents needed. I sold a car to Carmax in PA last year and was required, as the owner, to sign a mileage odometer certification on their pre-printed form as part of the sale process. I also believe I...
by tim1999
Sun May 27, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 21
Views: 1209

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

The factory powertrain warranty is 5 years/60,000 miles on 2018 Fords...even the 8 year/60k plan the OP mentioned for $1055 doesn't seem worth it at all. The chance of your engine completely imploding between 5 and 8 years is slim to nil, and unless it is due to abuse/lack of maintenance, I am willi...
by tim1999
Fri May 18, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1543

Re: Registering complaint with American Airlines/American Eagle?

The blame falls on him for not paying attention to what was going on at the gate at boarding time. If I were AA I wouldn’t give him anything other than a seat on the next flight. Was he not waiting at the gate, or did he not wonder why people were lined up before departure at the boarding door? You ...
by tim1999
Wed May 16, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5121

Re: Maple syrup

Smucker's Sugar Free Syrup You realize that it is a bottle of liquid Splenda with food coloring and some other chemicals, and not maple syrup, right? I used to love Michele's pecan flavored syrup until I realized that it was just corn syrup. Yes, but I have yet to find a brand of the "real stuff" t...
by tim1999
Wed May 16, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12322

Re: how do you tip on wine at a restaurant

Some will call me cheap, but I tip $10 for wine regardless of the price of the bottle, maybe $20 if it's a real swanky place and my employer is paying. They don't put in any more work on a $400 bottle vs. a $40 one.
by tim1999
Mon Apr 30, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5121

Re: Maple syrup

Smucker's Sugar Free Syrup
by tim1999
Sun Apr 22, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5666

Re: How long have you been unemployed?

Middle aged, have never been unemployed since graduating from college in my early 20s.
by tim1999
Wed Apr 18, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11632

Re: Quitting job - what to do if getting walked to the door

I think this "but if you don't give two weeks you might not get a positive reference!" business is mostly fear mongering from HR types. My current Fortune 500 employer and other megacorps I'm familiar with, when receiving employment reference inquiries on past employees, only indicate dates of emplo...
by tim1999
Wed Apr 18, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11632

Re: Quitting job - what to do if getting walked to the door

He should start cleaning/copying personal files or anything else he wishes to retain off his company computer and cell phone prior to giving notice.

My company also mails the COBRA paperwork whether they walk you out or let you leave on your own on friendly terms.
by tim1999
Mon Apr 16, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3320

Re: Las Vegas hotel

Keep in mind that if you are going to need your car daily or especially several times daily during the stay, parking at the strip hotels can add 20-30+ minutes to each roundtrip out vs. a hotel where you can just park in the lot in front of the building. The strip hotels often involve long elevator ...
by tim1999
Mon Apr 16, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 5981

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

Allegiant is great if you don't care if you get there remotely on time (or even the same day), don't have any luggage (not even carry-on), don't care where you sit on the plane, don't care if the only flight of the day means you have to wake up at 4am to get to the airport, don't care if flights are...
by tim1999
Mon Apr 16, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much salary did you negotiate?
Replies: 20
Views: 2704

Re: How much salary did you negotiate?

I asked for 10% more and was given 5% more. Since I had wanted out of my previous job badly, and either way the salary was in the acceptable ballpark for me, I wasn't going to push back any more, so I took it.
by tim1999
Fri Apr 06, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3874

Re: How often do you replace your office shoes?

I usually wear each pair 2 times or so per week on average, leather loafer or lace-up type men's dress shoes with rubber soles. They usually start looking ratty, even with shine jobs every few weeks, or start to fall apart after 3-5 years and I throw them out. Usually $100-$175 (on sale) shoes like ...
by tim1999
Sat Mar 31, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6287

Re: New car from dealer may have close to 150 miles - ok?

In this situation I've saved a ton of money several times by using online manufacturer or cars.com-type locator tools to find what dealer the car is at, then working directly with that dealer vs. having the car transferred. That being said, 150 miles is nothing on a car, the old retired guys driving...
by tim1999
Wed Mar 28, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9820

Re: How Do You Value Your Home for Net Worth Purposes?

Asset:
Current value based on recent neighborhood comps, minus selling expenses like realtor fees and transfer tax (6-7% of value around here).

Liability:
Mortgage balance, home equity loan balance if any, etc.
by tim1999
Mon Mar 26, 2018 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for travel???
Replies: 12
Views: 1489

Re: Employer reimbursement for travel???

I've had some luck getting non-cancellable hotel reservations cancelled/refunded past the deadline by calling the hotel and explaining the situation. Non-refundable airline tickets, I just cancel and re-use the credit on the next trip by paying the change fee if it makes sense for the new fare. Fort...
by tim1999
Sun Mar 18, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Best year round shrub/plant in Northeast for privacy
Replies: 18
Views: 1524

Re: Best year round shrub/plant in Northeast for privacy

I'd buy arborvitae that are already 5-6 or so feet tall, they are relatively cheap, transplant well, grow fast, and are relatively easy to handle/transport. If planted with the proper spacing, they fill in to form a nice "wall" effect. Buy ones with single main stems/leads, these will be sturdier in...
by tim1999
Sun Mar 11, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: car lease calculation with trade in
Replies: 4
Views: 311

Re: car lease calculation with trade in

When I did this, I had the dealer cut me a check for the full value of the trade in, and calculated the payment of the car to be leased normally, as I did not want to put money down on the lease.
by tim1999
Sat Mar 03, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Buying shares in Demutualized bank
Replies: 19
Views: 1542

Re: Buying shares in Demutualized bank

My significant other has accounts at Columbia Bank in NJ, apparently they are doing some kind of stock offering and she received paperwork through which she can "subscribe" to buy stock at $10 per share by 3/15. It just seems vague on how/where the stock will trade.
by tim1999
Sun Feb 25, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question on bumping unallowed Roth contribution ahead 2 years
Replies: 1
Views: 164

Question on bumping unallowed Roth contribution ahead 2 years

I've read on a few threads here that one can "move forward" a non-allowed Roth IRA contribution realized after the fact, to a future year where it is allowed, but I don't understand the mechanics of how it works. Assume the following: Taxpayer contributed $5,500 to a Roth IRA for the 2016 tax year, ...
by tim1999
Sun Feb 18, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 10413

Re: Do you wear a wedding band?

No, I haven't worn it since the ceremony. My father never wore his either. I got an inexpensive one, knowing I'd never wear it again.
by tim1999
Sat Feb 17, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 4031

Re: Mixing fuel octanes for cars

Someone who is thrifty enough to even consider doing this should probably have bought a car that runs on 87 octane regular. :oops:
by tim1999
Sun Feb 11, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 2129

Re: what to look for when buying a flipped house

One thing I would do (along with other due diligence) is try to find photos from the MLS listing (and hopefully the listing itself) when the flipper bought it, along with Google Earth streetside-type photos from a couple years ago to get a sense of how trashed it was prior. For example, I see wordin...
by tim1999
Fri Feb 09, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 288
Views: 21764

Re: free dinner investing seminar

I'd skip going to one of these out of fear that my attendance would flag me as a "live body" ripe for a ton of follow-up calls, emails, and junk mail for the next decade. Not worth it if that happens.
by tim1999
Sun Jan 28, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: Buying rebuilt/salvage vehicles on Ebay
Replies: 22
Views: 1477

Re: Buying rebuilt/salvage vehicles on Ebay

Ex: Below link shows a Prius V that am interested - listed for 11k. How much could I offer? https://www.ebay.com/itm/2013-Toyota-Prius-V-PRIUS-HYBIRD-V-5-FIVE-EDITION/112766551288 A hybrid car with a flood/salvage history? No offense but you would have to be crazy to seriously consider such a purch...
by tim1999
Sat Jan 20, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 5111

Re: New Brake Pads

Based on what I've seen in my area, that seems to be a fair price to pay at a shop for brake service. I've seen a lot worse at some dealerships, especially on upscale brand cars.
by tim1999
Sat Jan 20, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 3338

Re: Telemarketing calls from my own prefix

I've started getting a lot of these "spoofed number from the same prefix as mine" calls on my cell phone in the last 6 months. No point in blocking them individually because they never seem to spoof the same number twice. I just ignore the calls, as I do for any number I don't recognize, they don't ...
by tim1999
Mon Jan 15, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1532

Re: TSA locks for luggage

I use TSA locks not to prevent theft, but because I don't want the zipper on the bag to come open while in transit and have my stuff spill out all over the tarmac. I used to use zip ties for this purpose until some point when the TSA began cutting them off to inspect the contents and not replacing t...
by tim1999
Wed Jan 10, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2707

Re: Lease a Silverado 4x4 extended cab for $152 month?

I find that lease price hard to believe. Are you sure it's not some teaser ad that, according to the fine print, only applies to one specific stock number vehicle that just happens to be already sold when you show up at the dealership? The offer on Chevy's website is $199/mo for 24 mo with $4,119 do...
by tim1999
Wed Jan 10, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: any success buying a car at lease end?
Replies: 25
Views: 2441

Re: any success buying a car at lease end?

I've leased numerous cars over the past 15 years. At lease end, none of the manufacturer's finance divisions would budge one bit on the residual value if I wanted to buy the car, but all offered either special low/no interest financing, free/reduced price extended warranties, or both.
by tim1999
Fri Jan 05, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43032

Re: What frugal thing did you do today?

This is yesterday but got an unsolicited mail from a charity with a dime and a penny affixed. Peeled those off and put them in my coin jar. There are some good posts here, but I'm still giggling over this one. I did the same thing today, I think I've done it a few times before. The solitication had...
by tim1999
Fri Jan 05, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 2125

Re: How to browse specifically for homes with "mother-in-law suite"?

My local MLS's public website does not make this easy, you would literally have to read the description of every house listing in the target area.