Search found 3523 matches

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: 107
Views: 4696

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: 7
Views: 494

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: 663

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: 828

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: 21
Views: 1500

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: 1078

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: 5649

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: 2851

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: 2851

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: 2851

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: 2851

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: 2851

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: 2797

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: 6636

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: 4098

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: 41
Views: 3682

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: 1858

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: 1858

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: 6598

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: 14023

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: 8325

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: 2443

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: 2379

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: 9720

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: 10027

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: 2318

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: 7906

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: 29129

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: 4027

Re: Uber/Lyft where do you sit?

Back seat, passenger's side. Just feels like the place to be.
by tim1999
Thu Dec 27, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9476

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Living in a neighborhood without a HOA. In my area, this means cheaper, modestly sized houses (1,200-2,000 sf instead of 2,500-3,000+sf), no HOA dues, and nobody telling you what color you can paint your shutters or what species of bush you can have. Unfortunately, it also means having to look at ne...
by tim1999
Tue Dec 25, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 4596

Re: Working Holidays for extra money.

I'm a salaried office drone, but if they offered me something extra on top of that week's salary to come in on a holiday that would otherwise be a day off, I'd probably do it.
by tim1999
Wed Dec 19, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much will seller’s closing costs be?
Replies: 10
Views: 747

Re: How much will seller’s closing costs be?

unclescrooge wrote:
Wed Dec 19, 2018 11:22 pm
There's also lenders title insurance paid for by the seller.
I've never heard of the seller paying for the buyer's lender's title insurance in PA. Never.
by tim1999
Wed Dec 19, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much will seller’s closing costs be?
Replies: 10
Views: 747

Re: How much will seller’s closing costs be?

In PA there is usually a 2% transfer tax that is customarily split evenly by the buyer and seller (you pay 1%). Other than this and your realtor commission, buyer usually pays everything else, might be a small fee or two for you of less than $100 from the title company for handling your loan payoff ...
by tim1999
Tue Dec 18, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5990

Re: Is Liquid Plumber / Draino bad for the pipes?

I've good luck with "Pequa" brand drain cleaner. The Liquid Plumber type stuff sold in the grocery store usually does next to nothing when my drains get clogged.
by tim1999
Mon Dec 17, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8295

Re: When has being frugal or cheating out bit you in the rear?

Booked a flight that was $150 cheaper than all the other options, probably because it left at 5:30am, which would have required me to wake up at 3:30am. I am not used to waking up at that time at all. I naturally wake up around 5:30-6:00am every day without an alarm clock. Of course, I messed up the...
by tim1999
Sun Dec 16, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1683

Re: Lottery Tickets

Sounds like a good way to keep your name "fresh" with past clients who could possibly lead to repeat business. I know I've given a realtor repeat business even after a lapse of 10+ years. I get a bunch of holiday cards from businesses that go straight to the trash after opening, quickly to be forgot...
by tim1999
Sat Dec 01, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 4097

Re: declining employer benefits?

A former employer of mine would give you like $200/month if you declined their health insurance and showed proof of coverage elsewhere, but did away with the "rebate" around the time that Obamacare came out.
by tim1999
Wed Nov 28, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: How do you spend/kill time online?
Replies: 21
Views: 2740

Re: How do you spend/kill time online?

Case law on Google Scholar. And I'm not even a lawyer or a pretend one. Set it to "search all courts", type in a search term of some kind of interest, hobby, item, town, occupation, can lead to some interesting reading. For example, you can type in something like "Toyota Camry" and get everything fr...
by tim1999
Tue Nov 27, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 48
Views: 4187

Re: Tipping lawn service and trash pickup

I only tip the trash folks when I want them to haul away something they would not normally take, or if I put out an excessive amount of bags and want to make sure they take them all in one shot.
by tim1999
Mon Nov 26, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5772

Re: Is good, quality luggage worth the price?

I recently retired a $25 duffel bag I bought from Walmart in 2007, after 100+ trips the zipper finally got too messed up. It served me well. The best part was that if you did not stuff it completely full, you could compress it in order to fit in tight overhead bins, even a regional jet bin if you pa...
by tim1999
Sun Nov 25, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9291

Re: Networth to buy a dual turboprop aircraft?

The wealthiest individual I know personally (probably mid 8 figure NW if I had to guess) charters a twin-engine Piper Navajo for <500 mile flights and a small business jet (Phenom, Citation, Beech Premier, older Lear 35, etc.) for longer flights. He told me he pays an hourly rate for the aircraft ti...
by tim1999
Sun Nov 25, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 55004

Re: Name something you had to have and now you regret purchasing it?

I had a fairly basic Canon digital camera that I bought new circa 2005 and used quite a bit. It got destroyed accidentally in 2013 and I immediately bought a new replacement, thinking I had to have a camera. Might have cost around $200 including a better memory card. Probably a month later my employ...
by tim1999
Wed Nov 21, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Landlords: Where do you buy your fridges?
Replies: 15
Views: 2431

Re: Landlords: Where do you buy your fridges?

When I was a landlord, I would buy floor models on clearance from Home Depot. I didn't want something that was the lowest-end model available, like a "Roper", and just looked cheap, even if the cost would have been less. It was a way of getting a decent brand/model without the uncertainties of somet...
by tim1999
Mon Nov 19, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 89
Views: 12822

Re: How do Bogleheads buy cars?

2-3 year old Hyundai Genesis sedan is what I'd recommend to the OP.
by tim1999
Sun Nov 18, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15355

Re: Black Friday 2018

I have all the stuff I need, so I'm going to go play golf that day instead of trying to get a deal on something.
by tim1999
Sat Nov 17, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3700

Re: Home sale etiquette: wall repair

Every time I've sold a house, I've just left my picture nails in the walls, along with any nail holes from prior owners I never fixed. Heck, my last place had speaker mounting brackets on the rec room walls from the owner before me that I didn't need and didn't bother removing after I moved in, I le...
by tim1999
Thu Nov 15, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6911

Re: Wait, do I need a prenup?

I dont know why prenups are a big deal either? Its a legal binding contract, correct? WHAT DO YOU THINK MARRIAGE IS? Marriage is also a legal binding contract recognized by the state. As all of you who are married know...you had to go to some local state building and sign some paperwork. That made ...
by tim1999
Wed Nov 14, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6911

Re: Wait, do I need a prenup?

Any prenup should also address alimony, which I don't see much talk about above this post. Preferably, both parties should agree to waive alimony in the event of a divorce. Also, you need to get this pre-nup business nailed down well in advance of the wedding (I. e. do not spring it on them the day ...
by tim1999
Mon Nov 12, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2564

Re: Still spending too much on non-essentials

So you find a way to eliminate this $100 in monthly spending, which you feel is getting in the way of reaching your goal of being "financially free", then you reach what you deem to be "financially free" at 42. Then what are you going to do? Sit around all day trying not to spend money beyond minima...