Search found 3567 matches

by tim1999
Fri Jul 12, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7422

Re: Has anyone inherited a obligation/burden/responsibility?

I was an acquaintance of a woman whose father was a bottom-feeding real estate "investor" who bought undersized/oddly shaped/landlocked/contaminated/located on the side of a cliff/generally worthless vacant land at tax sales, all of which was unbuildable, thinking he knew something that everybody el...
by tim1999
Wed Jul 10, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4073

Re: car color

DanMahowny wrote:
Mon Jul 08, 2019 8:46 am
A good friend owns a very successful used car lot.

He says, "gold cars are old people cars, and will hurt resale value since only old people will buy them."
Yep, my friend in the biz calls that color "retirement gold".
by tim1999
Wed Jul 10, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 43
Views: 2520

Re: Friend's car caught in flood ?

I’m no mechanic, but I suspect if the water truly was at mid-door level, including the engine compartment, this car is history and not worth trying to fix.
by tim1999
Fri Jul 05, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2121

Re: No more print Mad magazine

I thought that went away 20 years ago with Archie comics and that sort of stuff. I don't think I've ever seen or heard anything related to Mad since then.
by tim1999
Thu Jul 04, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4073

Re: car color

I know that gold color on the early 1990s Legend, those were good looking cars. Maybe try an aftermarket "wrap" from a local reputable company that puts them on high end, exotic cars. They can make them to match basically any color you can imagine. A decent one will cost you at least a few grand. I ...
by tim1999
Sun Jun 30, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 20009

Re: Do you share your net worth with family members?

My spouse knows, at least as of the time of our marriage, because both of our assets and liabilities are listed in our pre-nup agreement. My parents probably figure I'm doing OK since I've never asked them for money since graduating from college. I know theirs, because I oversee their investments fo...
by tim1999
Sat Jun 29, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: New Landlord Here! Your Top Tips to include in a Lease?
Replies: 52
Views: 4023

Re: New Landlord Here! Your Top Tips to include in a Lease?

The lease should clearly state what will happen and what is owed if the lessee decides to break the lease...like if they just tell you one day "we are vacating at the end of month" even if the lease isn't up yet. Other things: -Lessee responsible for plumbing drain stoppages. -If you are allowing a ...
by tim1999
Sat Jun 29, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 52
Views: 3198

Re: Outdoor Fire Pit - Wood vs. Gas?

Many municipalities in my area (where lots are small and houses close to each other) have banned wood-burning outdoor fire pits/chimneas, etc. due to smoke/particulate concerns. OP should make sure they are allowed where they live before spending any money.
by tim1999
Sat Jun 22, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4684

Re: Do you Casino? What do you play? Have you won?

I used to play table games at an average bet amount and duration at the local casino that would get me a comped suite almost anytime I wanted it (had to settle for a regular room comped on NYE), all I could eat in their fancy steakhouse, never ending flow of top shelf booze, free front-section seats...
by tim1999
Thu Jun 13, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 2282

Re: Petroleum pipeline on property

Get a copy of the easement agreement. It should have been listed on the title insurance commitment as an exception. Realtors/sellers are known to be cagey about disclosing pipelines, and have removed or obscured pipeline marker signs. I'm not an attorney but I think it would be the responsibility of...
by tim1999
Wed Jun 12, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3656

Re: Which shaving cream / oil?

Edge gel with the orange cap is as fancy as I get.
by tim1999
Sun Jun 02, 2019 2:08 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7670

Re: Do you regret taking a pay cut for quality of life?

I took a 10-15% pay cut in salary and bonus. Old job was 40 hours/week in the office with 40 hours/week of actual work to do, another 10 hours/week of dealing with frustrating work stuff during nights and weekends at home, plus 2-3 day out of state trips every other week to glamorous places like Fli...
by tim1999
Wed May 29, 2019 11:38 pm
Forum: Personal Investments
Topic: Documents to keep post home purchase
Replies: 13
Views: 1153

Re: Documents to keep post home purchase

After purchase I keep the inspection report (good to refer back to little things I eventually need to fix myself) closing statement (aka "settlement sheet"), the title insurance policy, the agreement of sale, and survey, if any. If it's a personal residence, after I sell it I only keep the closing s...
by tim1999
Tue May 28, 2019 11:26 pm
Forum: Personal Consumer Issues
Topic: Donating my 2002 Toyota Corolla
Replies: 12
Views: 1234

Re: Donating my 2002 Toyota Corolla

Sign the title as the seller and make sure the buyer section is completed before you let them walk off with it. Do not sign it and let them take the car with the buyer section on the title left blank. You may need a notary to witness either or both signatures depending on what state you are in. Rese...
by tim1999
Sun May 26, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: 29 year old engineer introduction and seeking advice
Replies: 23
Views: 2817

Re: 29 year old engineer introduction and seeking advice

You are considerably underpaid unless you are living and working in some crazy low cost of living area like the poorest county in rural Mississippi or something. I'm guessing your 401k match and the cost of health insurance aren't particularly stellar either, and you mentioned the lack of merit rais...
by tim1999
Fri May 24, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 105
Views: 10861

Re: 4M 70K expenses would you stop?

I would have retired years ago.
by tim1999
Fri May 24, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2158

Re: Fly cross-country with a cat

I took my cat on a cross-country flight on American. Small carrier under the seat in front of me. She is healthy and well-behaved. I had to sit next to a older grumpy woman who grunted and sighed when she saw the cat carrier under my seat, and who I could see texting someone furiously for the first ...
by tim1999
Fri May 24, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: What is the best way to test drive cars?
Replies: 39
Views: 2985

Re: What is the best way to test drive cars?

Sorry.....I'd say ignore everything said here. Having test driven cars for fun for 40 years, here's what you do to minimize the wasted time, since you only want to drive. Go in on Saturday, on a nice day, when it's busy as hell. Don't make an appointment, don't do any prep work. The goal is to get ...
by tim1999
Wed May 15, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Land Appraisal
Replies: 20
Views: 1340

Re: Cost of Land Appraisal

That appraisal price is high if this is rural land surrounded by miles of other rural land. The price is low or reasonable if this tract is in a booming suburban area with complicated zoning rules and builders salivating for available land. You want an appraiser who primarily works in that area, not...
by tim1999
Wed May 15, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: [Another] How much to spend on a car/what to get thread
Replies: 27
Views: 1431

Re: [Another] How much to spend on a car/what to get thread

If I had the OP's income (and probably long work hours), the last thing I would want to be wasting time on is messing around with trying to keep an old clunker running enough to get me to work on time and back home daily. I would want something newer that is more likely to be problem-free. Even if y...
by tim1999
Mon May 13, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 23
Views: 1827

Re: Home warranty - is it worth the money?

The last house I bought had one included from a national warranty company that was paid for by the seller, which was a common thing to include in a house sale in that particular area. The biggest benefit for me was that when something went wrong, no matter what it was, I just had to make one call to...
by tim1999
Thu Apr 25, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: For those with years on me...Can I afford this home?
Replies: 70
Views: 4779

Re: For those with years on me...Can I afford this home?

No offense but reads a bit like a humble brag. Can you afford a mortgage 1.25x your income with a NW over a MILLION DOLLARS? I got the same impression. However, just because one can afford something, doesn't mean it's a smart thing to do. Anyway, OP mentions the prospective house is in a private go...
by tim1999
Mon Apr 22, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 5439

Re: Is Crown Molding Out-of-Style?

I had to look up at the ceiling just now to know if I have crown molding or not. Certainly wasn't something I noticed or cared about when selecting this house to buy.
by tim1999
Fri Apr 19, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3358

Re: At what point would you hire someone vs. cut down a tree yourself?

I have no easy way to get rid of the wood and debris from even a small tree, so to me it is worth it to hire a pro even for minor trimming and let them chip it up and haul it away. Bulk trash/yard waste removal by the municipality is only quarterly here, and I don't want to leave that stuff laying i...
by tim1999
Thu Apr 18, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 1833

Re: Is it worth renting a car in Vegas?

If either you or your wife have MLife casino players' cards (and if you gamble, you should), self-parking is free at MGM Grand and the other MLife resorts for any status level above the bottom level. (Pearl or higher). Gold and higher gets free valet parking. If you earn the status during your stay,...
by tim1999
Mon Apr 15, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: how long to have mailed check cashed by IRS?
Replies: 13
Views: 1187

Re: how long to have mailed check cashed by IRS?

Mine hit my account 5 days after dropping it in the mail.
by tim1999
Sun Apr 14, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: How do you solicit 360 degree feedback?
Replies: 20
Views: 1571

Re: How do you solicit 360 degree feedback?

My last employer that did this paid some service to do it on the internet. The employee would get an emailed link to a site to answer "rate the person on quality X from 1 to 10" type questions and then answer some open ended ones about the employee being evaluated. After a certain date, everyone got...
by tim1999
Tue Apr 02, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 5507

Re: Boglehead Pilots...advice

Get the medical exam done and passed before you spend another ounce of money or effort otherwise on this.
by tim1999
Thu Mar 28, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2071

Re: What golf ball do you use?

Low handicap. Titleist ProV1. Titleist has their annual "loyalty" offer going on now, where if you buy 3 dozen they give you a 4th free, and include free personalization and shipping. Works out to about $36/dozen with several online retailers (I use Budget Golf from IL).
by tim1999
Tue Mar 26, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4858

Re: High School Senior Pictures

The "free" senior yearbook pic I received ended up looking great, they airbrushed all of my zits away. So much so that my parents bought one of the packages of prints in various sizes offered for maybe $250 in today's money. It was money well spent at the time, all of my relatives liked the pics.
by tim1999
Mon Mar 25, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 854
Views: 87380

Re: What frugal thing did you do today?

I attended a professional development class in which a separate break room full of free snacks - little bags of chips/pretzels, bananas, apples, chocolate bars, granola bars, etc. - was provided. I was the first one to leave the class at the end since I was the only one not required to take the exam...
by tim1999
Mon Mar 25, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8934

Re: Tattoos and Bogleheads

Never had one and never will. Just not my thing. I also find them to be very unattractive on members of the gender I am attracted to.
by tim1999
Sun Mar 24, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Lock Strategy for New House
Replies: 40
Views: 2749

Re: Lock Strategy for New House

I don't do anything special for the locks or doors since it would be far easier for a burglar to just break a window to get in if he didn't feel like kicking the door in. Any burglar who makes it into my home would be severely disappointed in the contents anyway.
by tim1999
Sun Mar 24, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Inspection Negotiations for New Home Purchase
Replies: 25
Views: 1613

Re: Inspection Negotiations for New Home Purchase

Personally I would not under any circumstances want to be left with a pool table, those can be major pain in the rear to get rid of. I'm guessing the tractor is kinda old or junky, otherwise they would sell it. For repairs I generally want the seller to give me a credit at closing, otherwise the sel...
by tim1999
Fri Mar 22, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: [Golf club] Driver for 18 handicap young senior.
Replies: 24
Views: 851

Re: [Golf club] Driver for 18 handicap young senior.

Get fitted, even a free quickie fitting at a big box golf store is going to be better than just picking something off the rack randomly. At least then they can figure out the right shaft flex and loft for you on a particular model of club. I've never seen your swing, but if you "don't get enough air...
by tim1999
Thu Mar 21, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: What is the official nail clippers of the Boglehead Community?
Replies: 30
Views: 2305

Re: What is the official nail clippers of the Boglehead Community?

Some cheapo no-name metal thing I bought in a drugstore 15 years ago.
by tim1999
Thu Mar 21, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5292

Re: Do you still wear a necktie to work?

Nobody in my megacorp division office of hundreds of people wears a tie to work except for this one weird guy who is always way overdressed for whatever reason even though he has a job on the lower end of the salary grades. Senior management occasionally wears jackets but no ties. The last time I wo...
by tim1999
Wed Mar 13, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 8004

Re: Bright daughter wants to work for nonprofit

She's an adult, it's her life. If she ends up not liking this new nonprofit job within a year or two, the job market is strong enough in most professional fields right now that she should not have much trouble switching back to her previous path.
by tim1999
Sat Mar 09, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Who polices Roth IRA contributions?
Replies: 7
Views: 1338

Re: Who polices roth ira contributions?

A little birdie I know accidentally contributed to a Roth IRA in a year she was not eligible to do so due to exceeding the income limit, about 12 years ago, and the IRS never said anything. She decided to roll the dice and see if they would catch her rather than go through the rigmarole of backing o...
by tim1999
Tue Mar 05, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Wife got company car. Should we sell 2 year old car?
Replies: 36
Views: 3069

Re: Wife got company car. Should we sell 2 year old car?

I recall being at a rental car office at the Detroit airport about 5 years ago where a woman was absolutely having a meltdown because the rental agency wanted to give her a Hyundai (the lot was nearly empty) when she was apparently in town to sell something to Chrysler and insisted on getting a Chry...
by tim1999
Tue Mar 05, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1354

Re: Anybody have a vehicle with ventilated driver's seat?

No, but I did have a Ford F-150 for a year as a company vehicle that had cooled leather seats. Like, blows actual cold air on your butt. Those were great. I don't see mere "ventilated" seats being that worthwhile though.
by tim1999
Tue Mar 05, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Median net worth of Bogleheads?
Replies: 17
Views: 2694

Re: Median net worth of Bogleheads?

The median numbers without SS/pension in my age group (35-40) really surprise me as to how high they are. Impressive for those who own those numbers but sort of question my belief that I myself was doing great. Then again, this forum includes a lot of CA tech types and physicians who earn several mu...
by tim1999
Fri Mar 01, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8431

Re: Priority boarding - Why?

Other than the overhead bin space, my main reason is on an airline with open seating like Southwest, getting to sit near the front to get off the plane quicker (takes forever to get off the plane from the back of a full 737) plus I can have more choice of who to sit next to, so as to not have to sit...
by tim1999
Mon Feb 18, 2019 8:35 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8984

Re: How many bogleheads do you know in real life?

I work with a bunch of non-IT engineers who almost all appear to be pretty frugal, and in some instances, downright cheap. Certainly they have high savings rates because they don't appear to spend much money on anything. But I have no idea whether they are following boglehead investment philosophies...
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: 136
Views: 7787

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: 37
Views: 3326

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: 716

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: 913

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: 34
Views: 2600

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: 1159

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...