Search found 3447 matches

by tim1999
Sun Sep 23, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 23
Views: 1381

Re: Best/worst flavors of Gatorade/Powerade

Whatever they call the light blue color G2 is the one I like
by tim1999
Fri Sep 21, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 8707

Re: What to wear for job interview - skip the tie?

I just thought I'd update this thread I started last year. I ended up wearing what I had originally planned on wearing to the interview. Non-iron striped dress shirt, Brooks Brothers blazer, non-iron microfiber khakis, brown well-shined dress shoes. No tie. I was offered the job the day after the in...
by tim1999
Thu Sep 20, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2440

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

Nothing, I go play golf that day if the weather is decent. I have enough stuff and don’t buy gifts for anyone besides my significant other, which I can do online.
by tim1999
Tue Sep 18, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 249
Views: 17290

Re: What is your single most expensive mistake?

I don't care to share the details but can say it did NOT involve investing, cars, real estate, a business, sex, drugs, or rock 'n roll.
by tim1999
Tue Sep 18, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3366

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Even with only 8k miles, no way would I buy that car at the lease end for 27k, nor would I pay 5k for a warranty on top of that. New Hyundai Sonatas are much nicer cars than Civics, come with a 10 year powertrain warranty, and new 2018 leftovers are dirt cheap right now. Probably not much more than ...
by tim1999
Sun Sep 16, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 11620

Re: Considering Quitting Job - Seeking Advice. Would you do it?

RW73 wrote:
Sun Sep 16, 2018 1:51 pm
My commute is very short, not an issue.
You might as well just sleep under your desk with those hours.
by tim1999
Sun Sep 16, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 11620

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I'll never understand people willing to work those kinds of hours and have zero life outside of working, unless you are earning like $500k/yr+ and can stick it out for a couple years and then retire permanently. OP is being taken advantage of by their employer, bigtime. Also like everyone else menti...
by tim1999
Fri Sep 14, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4193

Re: I need a chainsaw to trim branches and limbs!!

Home Depot will rent a decent 16" electric corded chain saw for 4 hours for around $35, maybe $50 for a full day including damage insurance. Might be a good option for very infrequent/once per year type usage, since they deal with the chain sharpening/oiling/maintenance, and if the chain jumps off t...
by tim1999
Wed Sep 12, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3400

Re: Buying a house 1 mile away from a municipal landfill

Things to investigate/consider. -Whether the house has public or well water. -What roads the trash trucks take coming and going for the landfill. -Direction of prevailing winds in the area relative to the locations of the landfill and the house. -Whether or not the landfill will be visible from the ...
by tim1999
Wed Sep 12, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2853

Re: Do you use social media to enhance your travel experience?

I take few photos if any on trips and don’t share anything on any form of social media other than occasionally posting reviews on Yelp using a fake name.

I don’t have a need to derive satisfaction out of posting my travels for all to see, in some game of “look at how cool I am” one-upmanship.
by tim1999
Tue Sep 11, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Buying Partner's Billboard Rights
Replies: 16
Views: 1802

Re: Buying Partner's Billboard Rights

Have your "shopped" your billboard rental location to other advertising organizations in the last 5 or 10 years? It's possible that an alternate leaser might pay you more money. Would there be issues if the present leaser removed their billboard and a new leaser installed their own? Some of the new...
by tim1999
Sun Sep 09, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6700

Re: I think my father has a gambling problem

But I'm worried for my father's sake. I watched him work his butt off and live a frugal life for decades, and it breaks my heart that all the hard work is now being squandered by this awful activity . He has a good pension so he's not at risk of outliving his money, but I want him to be as comforta...
by tim1999
Sun Sep 09, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 44
Views: 3623

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

Sorry to poke insult at one of your narrowed-down choices, but in my opinion the CLA250 is a cheap unrefined excuse for a Mercedes that was meant to hook in millennial fashionistas to the brand at a price point that makes for a relatively cheap lease. It looks good but that's about it. You pay for h...
by tim1999
Sun Sep 09, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Am I on track at 29? More to investments or mortgage?
Replies: 6
Views: 729

Re: Am I on track at 29? More to investments or mortgage?

I will leave it to those more knowledgeable in asset allocation, etc. to comment in further detail, but basically yes, I think you are doing great.
by tim1999
Sat Sep 08, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8148

Re: Can Sneakers go with Business Casual?

No, but I doubt anyone would say anything about it to your face though.
by tim1999
Sat Sep 08, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Car Shopping, Seem to lose my Boglehead way each time help!!
Replies: 37
Views: 2896

Re: Car Shopping, Seem to lose my Boglehead way each time help!!

I really like the Genesis with the V8. Great cars. But they have horrible depreciation in the first 3 years compared to other cars. Dealer lots around me have a ton of off-lease 2015's with the V8 and low mileage for $25-$28k asking prices that have been sitting for months, half or less of what they...
by tim1999
Fri Sep 07, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 44
Views: 3623

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

If you want a used Mercedes, buy a 1-2 year old one with the Mercedes Certified Pre-Owned Warranty, you get unlimited mileage coverage for 5 years from the car's initial in-service date. Don't buy an out-of-warranty high-end MB like the C63 unless you are knowledgeable about cars and know a good ind...
by tim1999
Thu Sep 06, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Rent Increase or Not?
Replies: 25
Views: 2546

Re: Rent Increase or Not?

"A bird in the hand is worth two in the bush." I would not raise the rent over a 5% difference between current rent and your estimation of market rent. If they leave over the increase, you will lose a whole lot more than 5% on vacancy and will run the risk of getting a new tenant who is not as good ...
by tim1999
Wed Sep 05, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4618

Re: How much do you spend on kids extracurriculars?

$1100/mo ? holy cow when I was a kid, now 37, I would go outside and play with the neighborhood kids for $0 Similar age here, same experience. I was raised in an upper middle class environment in a top ranked public school district, and I am fairly certain that my parents' entire outlay on "extracu...
by tim1999
Wed Sep 05, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5730

Re: Selling a car to CarMax

I posted my experience on the other recent thread, but basically, if you have a recent model extra clean car with a clean accident history, that Carmax can put on their lot for sale with little reconditioning effort, they tend to offer a better price than a dealer would on a trade in. They have offe...
by tim1999
Sun Sep 02, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: (FREE!) Art Collecting Event... what's the catch?
Replies: 11
Views: 1242

Re: (FREE!) Art Collecting Event... what's the catch?

This reminds me of how casinos comp players who have been tracked and proven to have gambled at a certain level. The casino offers them a free room, comped food and beverage, etc. as an enticement to return again, especially if they haven't visited in awhile. They figure the person was proven to be ...
by tim1999
Sat Sep 01, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1441

Re: Car Painting

Repainting the car will probably actually devalue it rather than increase the value, as any dealer/wholesaler will assume the worst in terms of past damage history. So leaving it look messed up is somehow better? A professional determining the value of the car in a trade-in or auction scenario will...
by tim1999
Sat Sep 01, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1441

Re: Car Painting

Repainting the car will probably actually devalue it rather than increase the value, as any dealer/wholesaler will assume the worst in terms of past damage history.
by tim1999
Sat Sep 01, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a municipality
Replies: 26
Views: 2418

Re: Working for a municipality

If you have any sort of a questionable time or event in your personal past, be prepared for some disgruntled resident to discover it and try to tarnish your name with it.
by tim1999
Fri Aug 31, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6425

Re: Lexus vs. Mercedes

The 2016 E-class was the last year of the 3.5 V6 engine (E350) which is very reliable. They switched to a 4-cyl for the 2017 E300 and it has less power, I would not recommend it, the interior looks "prettier" and more modern but feels a little cheaper to me, and the 2017 exterior looks too much lik...
by tim1999
Fri Aug 31, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through Sept 10
Replies: 19
Views: 1758

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

Nate79 wrote:
Fri Aug 31, 2018 7:04 pm
So I assume this requires no sign up for those that have the capability in their cars but don't subscribe?
Right. In my car that hasn't had a subscription in years, I just turn the radio to Sirius and it works during these free periods. Other times it just plays only the preview channel.
by tim1999
Fri Aug 31, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through Sept 10
Replies: 19
Views: 1758

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

Do people really find the satellite radio to be a good purchase? I lucked out and bought a little Stiletto unit at a garage sale a couple of years ago for $10. Just so happens that it is one of the units that came with a lifetime sub. I have used it off and on, but aren't super impressed with the c...
by tim1999
Fri Aug 31, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Get out of Lease Early
Replies: 10
Views: 1531

Re: Get out of Lease Early

Rather than pay mileage penalties, I would just drive the Q50 until it hits the mileage limit, get your next car a few months early, and park the Q50. They may let you turn in the Q50 a little early (saves you a few bucks on insurance) but you would still have to complete the monthly payments. You e...
by tim1999
Fri Aug 31, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Another car (truck) buying question
Replies: 20
Views: 1240

Re: Another car (truck) buying question

Go for it, enjoy the truck
by tim1999
Fri Aug 31, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6425

Re: Lexus vs. Mercedes

The Mercedes CPO warranty is good and can be extended for not an unreasonable amount ($2,000?) to basically give you full coverage for 7 years/100k miles or unlimited miles in some circumstances. The 2016 E-class was the last year of the 3.5 V6 engine (E350) which is very reliable. They switched to ...
by tim1999
Wed Aug 29, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2599

Re: Negotiating with XM

I've been playing this stupid game with them for probably 7+ years now: -Call a week before expiration, take subscription off auto-renew and cancel. -Wait for subscription expiration date to pass. -Call and tell them I want the 5 month deal for $25-$30. I always get it. The trick seems to be that th...
by tim1999
Mon Aug 27, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3145

Re: How often do you change your HVAC filters?

I check it every month but end up changing it only once every 3 months or so.
by tim1999
Sun Aug 26, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Driving as a side gig, not Uber/Lyft/taxi, in my spare time
Replies: 18
Views: 1528

Re: Driving as a side gig, not Uber/Lyft/taxi, in my spare time

Everybody does realize the Town Car has been extinct for years, correct? Certainly "high-end" transportation and a seven-plus-year-old car that's driven daily don't typically mix. “Town Car” became livery industry jargon for any big black sedan used for livery service and not necessarily an out of ...
by tim1999
Sat Aug 25, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Considering opportunity in Melbourne - Florida. Any insight about the area?
Replies: 29
Views: 2368

Re: Considering opportunity in Melbourne - Florida. Any insight about the area?

My cursory opinion is too many old people, and the white collar jobs, which are not plentiful, tend to offer fairly weak salaries.
by tim1999
Fri Aug 24, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: 28 yr old - On Track?
Replies: 14
Views: 1174

Re: 28 yr old - On Track?

What, you don't have a million yet at 28? What have you been blowing all your money on? :greedy
by tim1999
Sat Aug 18, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs: what’s your number?
Replies: 12
Views: 1358

Re: Switching jobs: what’s your number?

I've switched jobs for a pay cut to be able to work fewer hours and leave work at work.
by tim1999
Sat Aug 18, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14926

Re: The Fall of Consumer Reports

I'm a Millennial and have never used Consumer Reports. The few times I would have, I ran into a paywall and went elsewhere. In the zeitgeist, it's like Reader's Digest or Life magazine. I'm on the older end of your age group, I grew up with parents that subscribed to it like it was a Bible of consu...
by tim1999
Sat Aug 18, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8719

Re: Edward Jones rep door knocking

For safety purposes my wife and I never answer a knock/ring at the door unless we are expecting someone and have verified through the peephole that it is that person. Unless it is a police officer in uniform and the marked car is outside.
by tim1999
Thu Aug 16, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6151

Re: Terminating an employee with company car

The likely main benefit from providing a car service to take the employee home is that it basically gets the employee off the company property immediately instead of having them possibly loiter around causing trouble while “waiting for their ride to show up” etc. When my employer did a mass layoff i...
by tim1999
Wed Aug 15, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6151

Re: Terminating an employee with company car

When my megacorp does this, they have a black car service drive the employee home from the office.
by tim1999
Tue Aug 14, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2833

Re: 33 Male, how am I doing?

How much is your rent per month?
by tim1999
Sat Aug 11, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2943

Re: Used Car Negotiation

Have the major dealers really stopped negotiating on the price of used cars. I have been back and forth with so many dealerships and they don't even budge. Is this the norm with the efficiency of internet pricing? My most recent experience with some 2-3 year old certified pre-owned cars has been th...
by tim1999
Sat Aug 11, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 2184

Re: Sucking up to make more money?

I've noticed in my company that people with positive attitudes get promoted and those with negative attitudes don't. Being positive doesn't necessarily mean "sucking up."
by tim1999
Sat Aug 11, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9449

Re: Biggest Threats to Financial Well-Being

Drug, alcohol, gambling, shopping addiction. The person afflicted often doesn't realize what's going on or can't stop until everything is gone.
by tim1999
Sat Aug 11, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6762

Re: Paper checks yes or no?

I probably only write about 1/4 of the number of checks I used to just a few years ago. There are still some expenses that I cannot pay or am uncomfortable paying online. I feel I have done my community service for the year by finally convincing my mother to stop writing checks at the grocery store ...
by tim1999
Thu Aug 09, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3381

Re: 1024.99 for a book. Why?

I have a 25 year old book that is somewhat rare in that it was only distributed to people of a certain organization, and some see it as a collector's item. There are some on Amazon and Ebay for $300-$400 each. I've had mine listed for 6 months for $40 and no takers. Other than some kind of scam, I c...
by tim1999
Tue Aug 07, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: 2016 Volvo XC90
Replies: 17
Views: 1629

Re: 2016 Volvo XC90

I would want to know the real reason why it basically sat from two model years and only accumulated 500 miles. Very odd for a car this common to sit on a lot for that long unless something else is going on like lemon law buyback, etc.
by tim1999
Tue Aug 07, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4109

Re: radon mitigation exposure concern, are we at risk?

Don’t stick your face in the opening of the neighbor’s pipe for extended periods of time and you will be fine.
by tim1999
Fri Aug 03, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: First Home, quadplex???
Replies: 15
Views: 1508

Re: First Home, quadplex???

I did this on a lower-end property; lived in one unit and rented the others. Living on site did nothing to deter the tenants from acting like idiots and beating up the building, nor did it do anything towards getting them to pay on time consistently. The tenants did not contact me any more frequentl...
by tim1999
Fri Aug 03, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Making a mistake considering a new job?
Replies: 31
Views: 2198

Re: Making a mistake considering a new job?

Congratulations on being in the great position you are in. Personally if I were you I'd stick with the job you are in now, due to the excellent work-life balance. But perhaps that desire for work-life balance is why I am your age but in a different universe of net worth and income below yours.