Search found 3637 matches

by tim1999
Mon May 25, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2572

Re: Anyone buy a car from a rental car company???

I helped my parents buy a one-year old Lincoln sedan through Hertz Car Sales last year. Although the car was not cosmetically perfect (typical rental car suitcase scratches on the bumper near the trunk, two wheels had some curb rash, Hertz didn't do much of a job detailing the interior, etc.) the pr...
by tim1999
Wed May 20, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19228

Re: What is your most luxury/expensive hobby.

Casino trips, once a week. I answered this in early February. My last trip to my favorite casino was on March 13. I want back there on March 15 and it was closed. I cannot wait for it to reopen soon. I am very curious about how the casino experience is going to change when they re-open, especially ...
by tim1999
Sat May 16, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5331

Re: Thinking of buying a boat during pandemic – am I CRAZY?

I don't even know why you needed to ask us with that income and asset level compared to the price of the boat. Buy the boat if it's what you want. An equivalent comparison would be like me asking if I could buy a good quality new riding lawn mower, and I'm not exactly broke myself.
by tim1999
Thu May 14, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3430

Re: Companies that have a pension and 401k?

I am familiar with a few companies in the midstream energy and public utility sectors that have both a cash balance pension plan that the company alone contributes to, plus a 401k with a match. New hires are eligible for both.
by tim1999
Wed May 13, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13060

Re: Will "work from home" destroy the commercial real estate market?

I have not read the entire thread, so apologies for treading on ground already covered. I am :dollar responsible for office leasing at a F1000 company. We were a company that was totally opposed to WFH before COVID, but we are already talking about how our success working from home will translate i...
by tim1999
Mon May 11, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Layoff: Communicate my status?
Replies: 22
Views: 2349

Re: Planning for Layoff: Communicate my status?

Whenever there was a major layoff of office employees at the companies I've worked for, on the day of the announcement they physically separated the people being laid off from the people continuing their employment. Usually they sent the people still employed either to an off-site meeting or told th...
by tim1999
Wed May 06, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3225

Re: Should you tip landscapers?

If they did an exceptional job, I would have no problem tipping them. I'm usually pretty cheap but I have a soft spot for difficult manual labor done well. To have hard workers who are careful and courteous on a project like this can be somewhat of a rarity today. I'd probably hand it to the foreman...
by tim1999
Thu Apr 30, 2020 4:27 pm
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 2985

Re: Are gamblers using the market now that casinos are closed?

I enjoy casino gambling, and that environment, but trading stocks is neither fun nor entertaining to me. It creates one more thing in life to stress out about, which I don't need now. I have a small "fun money" brokerage account but just realized it's been sitting in cash and hasn't been touched in ...
by tim1999
Tue Apr 28, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: ??? Thomas Stanley - Stop Acting Rich book
Replies: 121
Views: 13272

Re: ??? Thomas Stanley - Stop Acting Rich book

These are some of my favorite quotes from Stop Acting Rich - I was shocked about the country club members Perhaps that is why more than two-thirds of those who are country club members are not millionaires. P 5 Stop Acting Rich I'm a country club member, have been one for many years, and am not a m...
by tim1999
Fri Apr 24, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: PSA Landlords don't check on whether your tenants got their stimulus payment through the IRS
Replies: 6
Views: 1704

Re: PSA Landlords don't check on whether your tenants got their stimulus payment through the IRS

Unless the landlord is a real nosy snoop, I don't see what the point of them looking up the information is. They could estimate with pretty high probability whether for not the tenant will be receiving a payment just based on the income information/verification the tenant provided to the landlord wh...
by tim1999
Fri Apr 24, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3357

Re: Unable to Order Work Out Equipment

Same issue with golf equipment now. The brick and mortar stores (Golf Galaxy, PGA Super Store, the regional independents, etc.) are all closed here, and many of the online retailers aren't shipping. The few online retailers that are shipping are now sold out of many popular items that are usually al...
by tim1999
Thu Apr 23, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any other Essential employees getting extra perks
Replies: 5
Views: 709

Re: Any other Essential employees getting extra perks

I am a salaried, essential office worker and have been on mandatory WFH since early March. When I'm working from home, if I'm either done with my work for the day, or it's the morning and I know I don't have a ton of work to do and it can wait until the afternoon, I'll just go do something on my own...
by tim1999
Wed Apr 22, 2020 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5763

Re: Exit Interview

The exit interview I attended when I voluntarily left my last job for something better was a completely pointless waste of time. 5 minutes of idle small talk with a HR middle manager, 10 minutes of being asked to describe policies or procedures I would change or do differently, reasons why I left, e...
by tim1999
Sun Apr 19, 2020 7:42 am
Forum: Investing - Theory, News & General
Topic: Neiman Marcus to file for bankruptcy
Replies: 67
Views: 6848

Re: Neiman Marcus to file for bankruptcy

"Needless Markups"
by tim1999
Thu Apr 16, 2020 1:02 pm
Forum: Personal Investments
Topic: Why has the advice on how much house to buy changed over the years?
Replies: 37
Views: 1498

Re: Why has the advice on how much house to buy changed over the years?

I don't know. I know a beautiful house in an extremely desirable town/neighborhood in NJ that has been kept up nicely is on sale right now for $1.95 million. It last sold in 2000 for $1.95 million. If it is in one of the areas of NJ that I am very familiar with, the property taxes have probably gon...
by tim1999
Wed Apr 15, 2020 9:06 pm
Forum: Personal Investments
Topic: New Employer 401k options--should I say anything?
Replies: 19
Views: 1109

Re: New Employer 401k options--should I say anything?

They aren't going to change 401k providers to one that is more expensive for the company in the middle of a pandemic because a guy who just started complained that the fund fees under 1% are too expensive for the employee.
by tim1999
Tue Apr 14, 2020 11:59 am
Forum: Investing - Theory, News & General
Topic: Airbnb getting hit?
Replies: 50
Views: 4657

Re: Airbnb getting hit?

There is a young entrepreneur in my area who bought a few $1 million+ large homes and spent big money converting them into luxury Airbnb-type "private mini-resorts" with big pools, hottubs, elaborate outdoor firepit things mini-golf courses, basketball courts, 5+ bathrooms, etc. I thought it was nut...
by tim1999
Sat Apr 04, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2926

Re: Anyone used ultrasound whistle to mitigate dog barking?

Maybe 7-8 years ago I purchased a product called "Bark Off", which is an ultrasonic noise-activated device that is supposed to cut down on unwanted dog barking. It did absolutely nothing to deter a bichon frise 20' away in a neighbor's yard that barked almost nonstop all day. He would go to work in ...
by tim1999
Thu Apr 02, 2020 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 167
Views: 9238

Re: Are your personal expenses down during stay home and shelter?

What I'm saving on restaurant meals and gasoline is probably offset by more rounds of golf and increased electricity use at home.
by tim1999
Sat Mar 28, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

KlingKlang wrote:
Sat Mar 28, 2020 3:53 pm
Go to my barber for a shave and a haircut.
Same here.
by tim1999
Sun Mar 22, 2020 6:28 pm
Forum: Investing - Theory, News & General
Topic: S&P500 and Dow Futures Hit Limit Down After Reaching 5% Down Limit for Monday Open
Replies: 155
Views: 13230

Re: S&P500 and Dow Futures Halted After Reaching 5% Down Limit for Monday Open

Ugh. [Deleted - mod olcomputerguy] The good news is that in about 2 more weeks of the current downward trajectory we have been on, the market will be zero and we will not have to worry about it anymore. :annoyed
by tim1999
Sat Mar 21, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Work From Home] - What does your company pay for?
Replies: 83
Views: 4526

Re: [Work From Home] - What does your company pay for?

I already had a company laptop computer and monthly cell phone reimbursement before this whole mess as an office-based worker. Now that my group is mandated to WFH for the next month or two, we aren't receiving any additional "freebies", nor is there anything additional I want or need to do my job. ...
by tim1999
Thu Mar 19, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 500
Views: 52743

Re: I don't understand the case for EE bonds

While I still have serious issues with the illiquidity of EE bonds, I must say that the 3.53% yield is probably quite attractive to a lot of folks right now. To be honest, I'm surprised that there is so little mention of them. 20 year Treasuries are only yielding 1.60% right now. Am I missing somet...
by tim1999
Wed Mar 18, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128903

Re: Coronavirus (Consumer Issues) How you are preparing?

My personal opinion is that the next "hoarder run" is going to be on dog and cat food, so I've been stocking up on what I will need in that category.
by tim1999
Mon Mar 16, 2020 11:17 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190810

Re: Preferred greeting with clients for social distancing, elbow bump or other?

I've been giving a "thumb up" and a smile.
by tim1999
Mon Mar 16, 2020 3:05 pm
Forum: Personal Investments
Topic: Who is continuing to buy as planned?
Replies: 119
Views: 8146

Re: Who is continuing to buy as planned?

Last week I set my new 401k contributions to go into the stable value fund. Just not comfortable immediately lighting the money on fire in this decline as soon as it hits the account. I would need to see some stability in the world before committing to add to equities again. Sure, I'll miss the bott...
by tim1999
Thu Mar 12, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: Are any early accumulators thankful for the current correction?
Replies: 185
Views: 10205

Re: Are any early accumulators thankful for the current correction?

There is a somewhat ignorant guy in this 20s in my office who keeps bantering about how he is happy the market is cratering so he can pay lower prices and time the bottom. He often does this while unknowingly within earshot of colleagues twice his age nearing retirement who have been moaning about t...
by tim1999
Sat Feb 29, 2020 9:16 am
Forum: Personal Investments
Topic: Purchase airline stock?
Replies: 32
Views: 2113

Re: Purchase airline stock?

Not someone I usually listen to, but I believe Jim Cramer has said that "it's never a good time to own airline stocks."
by tim1999
Fri Feb 14, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12324

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

Numerous employers in my area have cash balance pension plans, but I'd be willing to bet that zero private sector employers in my city still have defined benefit pension plans open to new hires. The county and state governments here have defined benefit pensions for new hires, and always seem to be ...
by tim1999
Wed Feb 05, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: Vacationing to Palm Springs, CA in two weeks. Advice?
Replies: 24
Views: 2212

Re: Vacationing to Palm Springs, CA in two weeks. Advice?

There are dozens of golf courses of all types and quality, if you play.
by tim1999
Tue Feb 04, 2020 8:28 am
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16094

Re: Tesla Stock

In recent months, there have been young mechanical/electrical engineers I work with who constantly stare at live Tesla intraday stock charts/tickers during meetings on their computers when they should be paying attention and participating in the meetings.
by tim1999
Sun Jan 26, 2020 7:03 pm
Forum: Personal Investments
Topic: Valic 403(b) to Rollover IRA
Replies: 3
Views: 4862

Re:

I know this is a 10 year old thread, but just needed to vent on how true it is that VALIC makes this process extremely difficult unlike any other plan provider I've dealt with. A relative is trying to get about $5k in a VALIC 403b plan from a former employer located on the other side of the country ...
by tim1999
Fri Jan 24, 2020 10:56 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 5812

Re: Subaru Outback engine stop/start

My mom's Cadillac would normally make you hit the disable button again every time you start the car if you don't want auto start/stop on. She paid to get some device rigged up that tricks the car's sensors into thinking the hood is open when it's not, which apparently keeps auto start/stop deactivat...
by tim1999
Wed Jan 01, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How would you expense a car purchase with financing? Example given.
Replies: 17
Views: 905

Re: How would you expense a car purchase with financing? Example given.

For annual budgeting (cashflow) purposes, I would count the $367 payment x 12 months. For net worth purposes, the approximate wholesale value of the car goes on the asset column and the loan balance goes on the liability column. Naturally, both the car's value and the loan balance would be adjusted ...
by tim1999
Wed Dec 25, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Ever search for unclaimed property? What did you find?
Replies: 31
Views: 2063

Re: Ever search for unclaimed property? What did you find?

I found several hundred dollars from an old house purchase where the settlement company owed me money and made no attempt to locate me. This one happened to me as well. I was apparently owed around $100 from a final water bill escrow on a rental property I sold, and the title company sent the check...
by tim1999
Wed Dec 25, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Ever search for unclaimed property? What did you find?
Replies: 31
Views: 2063

Re: Ever search for unclaimed property? What did you find?

Recently I attempted to recover funds at the request of my employer during a time when we were slow. We had around 20 such unclaimed accounts in a particular state. I was successfully able to claim 10 of them pretty easily. Another 3 required some effort; in one case I had to locate some old outdate...
by tim1999
Wed Dec 25, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I help ex wife get a job at my agency?
Replies: 20
Views: 1867

Re: Should I help ex wife get a job at my agency?

Given the information presented, I would just stay out of it and neither hurt nor help her chances. Maybe if she had been unemployed for awhile, was having trouble getting a new job, I knew I could pull a string that would almost guarantee she got the job, AND it would reduce an alimony obligation I...
by tim1999
Sat Dec 14, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7284

Re: Gifts to your employees- how much?

In my megacorp environment, I've never experienced a manager giving holiday gifts to employees on their own dime. One of three things usually happens where I've worked: -Manager tells everyone they can leave early at noon on Christmas eve or NYE and not mark it as PTO. -Manager takes the department ...
by tim1999
Sat Dec 14, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Furnish washer in rental house?
Replies: 14
Views: 1284

Re: Furnish washer in rental house?

I have (12) rentals (SFR) and do not supply W&D (unless there is one left there by previous tenants) I do not compensate renters who leave W&D behind. I do not support repairs to W&D. This appliance is too often abused by tenants and use is very dependent on tenant's habits. i.e. We do about 3 load...
by tim1999
Sun Nov 24, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: 70+year Oldies: Anyone buying the C8 Corvette?
Replies: 77
Views: 6092

Re: 70+year Oldies: Anyone buying the C8 Corvette?

If you can't get the dealer to budge on price for the C8, maybe you can get them to include the obligatory pair of jean shorts and white New Balance running shoes for free. Huh? You're not getting a C8 for less than MSRP for the forseeable future unless you have GM pricing and/or some special relat...
by tim1999
Sun Nov 24, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Getting text messages (spam?) offering to buy my home
Replies: 25
Views: 2322

Re: Getting text messages (spam?) offering to buy my home

It's nothing personal. The caller probably has a spreadsheet of publicly-available information from your city land records office with hundreds of entries. he does not know anything about you or your house that is not on the land records; he is just going down a list of hundreds of entries and call...
by tim1999
Fri Nov 22, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: 70+year Oldies: Anyone buying the C8 Corvette?
Replies: 77
Views: 6092

Re: 70+year Oldies: Anyone buying the C8 Corvette?

If you can't get the dealer to budge on price for the C8, maybe you can get them to include the obligatory pair of jean shorts and white New Balance running shoes for free.
by tim1999
Tue Nov 12, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: acura rdx or mercedes glc300 small luxury suv
Replies: 16
Views: 1356

Re: acura rdx or mercedes glc300 small luxury suv

If you go with the GLC300, a lot of dealers sell their service loaners as CPO cars at good discounts vs new MSRP, the cars usually have 5k miles or less and are 2019's. They usually don't have a lot of options on them though. You do get an extra year of unlimited-mileage warranty beyond the 4 yr/50k...
by tim1999
Fri Nov 08, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 62
Views: 5827

Re: How bad business travel is?

A major part of my willingness to travel on business these days relates to how strict the company's travel policies are. I did not mind it one bit when I worked for a company that let me make all my own arrangements, pick the days of travel, pick flights based on schedule, fastest route, and not pri...
by tim1999
Sat Oct 19, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Purchasing a Pre-Owned iPhone
Replies: 23
Views: 1842

Re: Purchasing a Pre-Owned iPhone

I bought a "Verizon Certified Pre-Owned" iPhone directly from them. I'm guessing I could perhaps have gotten it cheaper elsewhere, but the phone was like new (I was expecting some wear and it basically had none), half the price of a new one, and I didn't have to worry about dealing with a shady sell...
by tim1999
Sat Oct 19, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking a commercial real estate lease
Replies: 3
Views: 503

Re: Breaking a commercial real estate lease

I have no answer or knowledge to contribute, but have always wondered the same thing. I would have to imagine that unless the business has a successful track record, the landlord would require a personal guarantee even if the lease is in the name of a LLC. Then it would probably be a matter of how w...
by tim1999
Mon Oct 14, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on dry cleaning?
Replies: 27
Views: 1704

Re: How much do you spend on dry cleaning?

I have a decade-old wool winter jacket that I get dry cleaned once per year. That's it anymore. Costs me $8 maybe. My current suit is 5 years old and I think was only ever dry cleaned once, after I wore it in a smoky casino maybe 2 years ago. I also think that's the last time I wore it, it's still h...
by tim1999
Mon Oct 07, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 5877

Re: Would or should you tip AAA road assistance?

I once tipped an AAA-provided tow truck driver $20 after he pulled my stuck car out of an off-road area that was technically not covered by the AAA plan, since it was not adjacent to or accessible from a public road. It was basically in the middle of a 30 acre muddy private property construction sit...