Search found 3388 matches

by tim1999
Sun Jul 22, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 4
Views: 392

Re: Guilt at buying nice things for myself

All I can say is that if you are able to save around 30% of your income and still be able to spend money on things you enjoy, you have the ability to live a very balanced financial life and are in a great spot. Who cares what other people think about it?
by tim1999
Sat Jul 21, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 33
Views: 2555

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

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 ...
by tim1999
Sat Jul 21, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 25
Views: 1695

Re: Unpermitted structure - options?

"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...
by tim1999
Sat Jul 21, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: do i need a lawyer when applying for a HELOC?
Replies: 12
Views: 1078

Re: do i need a lawyer when applying for a HELOC?

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...
by tim1999
Tue Jul 17, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3273

Re: 35 minute connection for flight, long enough?

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 ...
by tim1999
Mon Jul 16, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Shoe shine, airport?
Replies: 8
Views: 1295

Re: Shoe shine, airport?

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...
by tim1999
Sun Jul 15, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Am I dreaming or is there a possibility: Retire at 45?
Replies: 7
Views: 1603

Re: Am I dreaming or is there a possibility: Retire at 45?

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.
by tim1999
Fri Jul 13, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 5850

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

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...
by tim1999
Thu Jul 12, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5367

Re: Anyone take naps at work?

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...
by tim1999
Tue Jul 10, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 1665

Re: Radon

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...
by tim1999
Sun Jul 08, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 2913

Re: Would you take a job in a less desirable city if you had to work fewer days?

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.
by tim1999
Sun Jul 08, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy house in Bay Area?
Replies: 17
Views: 2351

Re: Can we afford to buy house in Bay Area?

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?
by tim1999
Sat Jul 07, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: $50+ gas bill for $4 in gas?
Replies: 16
Views: 3030

Re: $50+ gas bill for $4 in gas?

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...
by tim1999
Sat Jul 07, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4334

Re: Which advanced tech is necessary in cars?

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 ...
by tim1999
Sat Jul 07, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3995

Re: Tipping in a hotel room/cruise ship room

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...
by tim1999
Thu Jul 05, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14546

Re: How to "retire" in your 30's article

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...
by tim1999
Thu Jul 05, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4052

Re: Is there a current car without a console between the front seats?

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.
by tim1999
Wed Jul 04, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 7809

Re: Tipping at non sit down places

Easy, I don't.
by tim1999
Wed Jul 04, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5328

Re: How to tip

15-20% of pre-tax for me.
by tim1999
Sun Jul 01, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3778

Re: Recommend a vehicle for $24,000 or less

2018 Hyundai Sonata.
by tim1999
Sun Jul 01, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: New car dealerships offering (included) lifetime warranties?
Replies: 13
Views: 1473

Re: New car dealerships offering (included) lifetime warranties?

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...
by tim1999
Sat Jun 30, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12884

Re: What are your property taxes?

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.
by tim1999
Tue Jun 26, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10366

Re: Lost out on promotion

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...
by tim1999
Tue Jun 26, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Leaving my job with no replacement - ok to get a new car loan now?
Replies: 11
Views: 1115

Re: Leaving my job with no replacement - ok to get a new car loan now?

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...
by tim1999
Sun Jun 24, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing an old home in an old suburban area; to what old-house specific issues should I pay attention
Replies: 21
Views: 1383

Re: Purchasing an old home in an old suburban area; to what old-house specific issues should I pay attention

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...
by tim1999
Sat Jun 23, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11735

Re: When did you start flying business class?

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...
by tim1999
Fri Jun 22, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited house turning into a money pit
Replies: 17
Views: 3002

Re: Inherited house turning into a money pit

Unless there is some legitimate reason why you absolutely must live in this house, sell it as-is and move on.
by tim1999
Thu Jun 21, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3321

Re: 3 nights in Vegas

Would be easlier to make recommendations if we know what hotel you are staying at.
by tim1999
Sun Jun 17, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8417

Re: how to make friends in new location?

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...
by tim1999
Sat Jun 16, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 16
Views: 1541

Re: Take a job with a company being acquired?

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...
by tim1999
Thu Jun 14, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3848

Re: Non-alcoholic drinks for wedding

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...
by tim1999
Thu Jun 14, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10730

Re: Timeshare ever worth it? Please share details

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.
by tim1999
Wed Jun 13, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 103
Views: 14320

Re: [favorite] Boglehead quotes

Here's an old one that served me well:

"Maximum tolerable loss x 2 = Maximum equity allocation"
-Adrian Nenu
by tim1999
Tue Jun 12, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16711

Re: Should I take possession of a certified mail?

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...
by tim1999
Sun Jun 10, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: New or used Genesis reviews
Replies: 14
Views: 1821

Re: New or used Genesis reviews

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.
by tim1999
Sat Jun 09, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease for parents
Replies: 37
Views: 2664

Re: Car Lease for parents

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...
by tim1999
Fri Jun 08, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 3540

Re: Found an FSBO home for sale. How to avoid Realtor?

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...
by tim1999
Wed Jun 06, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Trade in advice [Car]
Replies: 23
Views: 1824

Re: Trade in advice [Car]

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...
by tim1999
Tue Jun 05, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5094

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

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...
by tim1999
Mon Jun 04, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: what to do if win some lottery money
Replies: 21
Views: 2978

Re: what to do if win some lottery money

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 ...
by tim1999
Wed May 30, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7526

Re: Advice on neighbor not keeping up his property...

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...
by tim1999
Tue May 29, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 36
Views: 4297

Re: Quality decline in off-brand alkaline batteries?

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.
by tim1999
Tue May 29, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7526

Re: Advice on neighbor not keeping up his property...

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...
by tim1999
Tue May 29, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1401

Re: What is a reasonable amount of time to spend cleaning a house prior to showing

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...
by tim1999
Tue May 29, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 30120

Re: The Side Hustle

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.
by tim1999
Tue May 29, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 770

Re: Selling car in CA, titled in absent owner's name

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...
by tim1999
Sun May 27, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 21
Views: 1252

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

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...
by tim1999
Fri May 18, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1586

Re: Registering complaint with American Airlines/American Eagle?

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 ...
by tim1999
Wed May 16, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5328

Re: Maple syrup

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...