Bogleheads.org

tim1999

I have found amazing quality and value from stores that sell unfinished Amish-made furniture. Many of these stores will either offer finishing services from a third party, or many of the manufacturers will offer a small variety of factory finishes. I paid around $5,000 for a bunch of furniture that ...

tim1999

"checking with your building inspector" will force him to deal with this. Exactly, I would not bring it to their attention unless you are prepared to possibly have to pay to have it dismantled and disposed of if things do not go your way with the city. I am not familiar with CA but I would possibly...

tim1999

Even if you used an attorney, which I doubt hardly anyone does unless we are talking about a commercial credit line in the seven figure range, I think the chances of getting the bank to change something in their loan document boilerplate is pretty much zero. The bigger the bank the more likely the z...

tim1999

The flight itinerary says 35 minute connection, what does that mean? The inbound flight to Denver says gets there at 11:54, the outbound flight says 12:30, does that mean boarding or leaving time?? 12:30pm would be the departure time, assuming it's running on time, and they will probably close the ...

tim1999

My local casino had a guy with a shoe shine booth for a few years, for $4+tip he would do the most thorough, brilliant, long-lasting shine job I've ever seen. I'd often stop in just to have him shine mine even if I wasn't going to gamble or eat. Then they did away with the shine booth for reasons un...

tim1999

What are you going to do with your time? Do you have hobbies that you are interested in pursuing further? If so, do they cost money? I would not want to retire at 45 only to have to sit watching TV/playing video games or just go for walks in the park because I could not afford to do anything more.

tim1999

When I was a landlord, the most difficult part of the business was getting tenants to pay on time every month. Assuming subletting is prohibited by the lease terms, I would tell the tenant that I am aware of the violation but will do nothing about it so long as they continue to pay on time every mon...

tim1999

We used to have an older guy at my megacorp who would nap in his desk chair for 45 minutes every day during his lunch hour. He would just recline it, put on an eye mask, and set an alarm to wake himself up. Lots of people talked about this behind his back, but those are the same people who spend hou...

tim1999

At that level (4.9), unless you plan on spending the rest of your life sitting in your basement with the doors and windows closed while chainsmoking cigarettes, I wouldn't bother remediating it. I've found that having a professional radon test done for say $150-$250 when buying a house, and the test...

tim1999

I would probably not do it personally, because my hobbies are warm weather outdoor ones. Having an extra day off to sit around the house doing nothing while the weather outside is cold and dreary holds no value to me.

tim1999

Your post is a little confusing and I don't understand the situation..you own a house in the Bay Area already with 400k in equity and you are looking to buy a different one, yes or no? What is the value of your current house, the current payment amount, and why do you need to move to another house?

tim1999

Yeah. My gas service is only used for the water heater and the oven/cooktop. The base customer charge is at least three times the gas use and distribution charges. Even if I use almost no gas during a month, the cheapest my bill could get would be about $25. In a different area with a different util...

tim1999

I think some people still drive like inattentive idiots regardless of the tech. Just today I was on the highway where the person in the next lane to my right had their turn signal on (they wanted to get around a truck apparently), and the little light in their sideview mirror (blind spot sensor) to ...

tim1999

I've never been on a cruise, but have stayed in hundreds of hotel rooms. I almost never leave a tip. Especially when traveling on business because getting reimbursement from the company on a cash outlay with no receipt is like pulling teeth, and I have this hangup about spending my own money on a bu...

tim1999

I don't understand this concept of retiring in your 30s with a bare bones minimalist lifestyle....what do you do all day? Go for walks in the park, clip coupons, watch tv, hang out at the library, and blog about not spending money on anything? (note: I don't have kids). I have hobbies that cost mone...

tim1999

Prior generation Chevy Impala, many of the base trim level cars had a bench seat, they made these cars until 2016 or so as a fleet-only model, plenty of used ones around and they are relatively cheap and reliable.

tim1999

Easy, I don't.

tim1999

15-20% of pre-tax for me.

tim1999

2018 Hyundai Sonata.

tim1999

At the dealers in my area that offer these for "free" with the purchase, the catch is that you have to get all of your service done at that dealer using a maintenance schedule they made up that basically calls for all the services to be done twice as often or at half the mileage as that the manufact...

tim1999

Grt2bOutdoors wrote: ↑
Sat Jun 30, 2018 8:19 pm
What does the state do with the other taxes it collects, especially income and sales taxes? Beats me.

Public employee pensions.

tim1999

I've noticed in recent years that in my megacorp environment, promotions from individual contributor roles to supervisory/management roles are usually now given to people with fairly weak technical skills in the subject area or even zero experience in the specialty of the group they will be managing...

tim1999

So long as you are technically employed on the day you fill out the application and when you take delivery of the car, I don't see any ethical or legal problem. That being said, I've purchased numerous cars with loans, and I highly doubt they did anything to verify my employment or salary beyond bel...

tim1999

Galvanized metal water supply lines, both the one from the street into the house and the ones inside the house. They get clogged inside with sediment/buildup to the point where water flow is reduced to near nil, and then they have to be replaced. I found that people will sometimes replace the easy t...

tim1999

High six figure income and your expenses are around 12k/month? Give the business class a try. You only get one chance on this planet, and you can't take the money with you when you leave, buddy... (I have a feeling that if you don't buy the business class tickets, you aren't going to spend the money...

tim1999

Unless there is some legitimate reason why you absolutely must live in this house, sell it as-is and move on.

tim1999

Would be easlier to make recommendations if we know what hotel you are staying at.

tim1999

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...

tim1999

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...

tim1999

Go for it.

tim1999

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...

tim1999

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.

tim1999

Here's an old one that served me well:

"Maximum tolerable loss x 2 = Maximum equity allocation"
-Adrian Nenu

tim1999

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...

tim1999

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.

tim1999

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...

tim1999

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...

tim1999

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...

tim1999

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...

tim1999

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 ...

tim1999

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...

tim1999

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.

tim1999

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...

tim1999

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...

tim1999

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.

tim1999

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...

tim1999

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...

tim1999

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 ...

tim1999

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...

tim1999

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.

Search found 3387 matches