Search found 3303 matches

by tim1999
Tue Dec 05, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4618

Re: selling an older car on eBay-no bites!

I suspect the OP's nostalgia for a car he has owned for 40 years has led to an overestimation of its value. Just because a car is old and in decent shape doesn't mean it's worth a fortune. I am seeing this now especially with people asking ridiculous money for 20-30 year old mass produced cars with ...
by tim1999
Fri Dec 01, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4607

Re: I Can "Afford" This Right? (New Car)

Go for it. Even if you decided after a year or two that you didn't like it anymore and sold it, with Lexus resale value, you would lose only an insignificant amount of money.
by tim1999
Fri Dec 01, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10351

Re: Price of haircut?

$15 plus $2-$3 tip for a barber. If for some reason I can't get to him during his business hours when I need a cut, I end up at one of the chain haircut places which costs a couple bucks more.
by tim1999
Tue Nov 21, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5818

Re: Uber for someone who knows only taxis

What's going on with these cautions to get the correct car? What is happening that wrong cars show up? I wish these things did not require smart phones. If you are at a place where multiple people are requesting Uber cars (like on the curb at an airport, or outside of a hotel in a tourist city like...
by tim1999
Mon Nov 06, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2204

Re: Climate controlled cars - Useful or Useless?

What I don't like about auto climate control is that in most cars I've driven that have it, when you are warming up the interior of the car in cold weather, once it reaches the set temperate it starts blowing out cool air instead of warm air or just turning the fan off. I find the cool air annoying ...
by tim1999
Fri Nov 03, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6317

Re: Spam calls to cell phone...

I almost never go to trial, most settle and a few go to summary judgment, others have been default judgments and i collected on then. I settled several this month for over 20k, which isn't common, but happens as the cases settle and the defense attys have milked their clients dry for attys fees. I ...
by tim1999
Fri Nov 03, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6317

Re: Spam calls to cell phone...

I don't answer any call on my cell phone from a number that's not already in my address book or I otherwise don't recognize. The spammers never leave a message. Still mildly annoying but not enough to warrant me spending more time trying to prevent it from happening.
by tim1999
Fri Nov 03, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3440

Re: Help me understand the Used Car Dealership perspective

Some used car dealers in my area just don't seem to be interested in volume/lot turnover and seem more willing to sit on an overpriced used car waiting for a "sucker." One such local Buick/GMC dealer has had a particular used Hyundai on the lot for literally a year (Carfax confirms this). They start...
by tim1999
Fri Nov 03, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8543

Re: Should I decline Grand Prize trip because of taxes on winnings?

I am a true golfaholic yet I would probably pass on this trip. $4,000 for a new set of clubs I don't need (mine are just fine, if they weren't, I would have already bought new ones), tickets to a tournament I don't want to watch (unless it's the Masters I have zero interest in watching professional ...
by tim1999
Sun Oct 29, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 92
Views: 5461

Re: Do you subscribe to digital newspapers?

No. I do use my browser's "In Private Browsing" function to get around my local paper's paywall and read the articles for free online, though.
by tim1999
Sun Oct 29, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 1634

Re: PA Speeding Ticket?

In PA, only the state police can use radar. Local police have to use a timing device, typically timing the movement of your car between perpendicular lines painted across the road or by the time it takes you to drive through a set of devices they have to place on the side of the road. This typically...
by tim1999
Fri Oct 27, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: equity based tennis club
Replies: 5
Views: 912

Re: equity based tennis club

Make sure it's not one of those where if you want out of the club, you have to keep paying dues until they find a "replacement" member to take your spot. Plenty of people have been burned by that outdated membership model in golf clubs since the 2008/2009 bust. did you have this problem? A now dece...
by tim1999
Fri Oct 27, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Limit on carrying physical cash during domestic US flights
Replies: 35
Views: 3414

Re: Limit on carrying physical cash during domestic US flights

I have carried well in excess of 10k in cash while traveling on domestic flights without being questioned, usually in an internal zipper pocket within my carry-on bag. I worried most about it getting stolen while going through a busy security line in this scenario: 1. Cash is in my bag that I put on...
by tim1999
Tue Oct 24, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: equity based tennis club
Replies: 5
Views: 912

Re: equity based tennis club

Make sure it's not one of those where if you want out of the club, you have to keep paying dues until they find a "replacement" member to take your spot. Plenty of people have been burned by that outdated membership model in golf clubs since the 2008/2009 bust.
by tim1999
Sun Oct 22, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 2846

Re: Installing a slide inside a home?

I'd imagine you would want it to dump out onto some kind of unusually soft flooring to reduce the possibility of injury if someone does not come down it properly or a small child accidentally gets into it.
by tim1999
Sun Oct 08, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2560

Re: What to do with unused paint?

This will make some people angry, but I make sure the lids are on properly then put it in thick contractor-style black trash bags and put it in the trash can for pickup. Where I live, the trash folks will take anything as long as they can't see what it is.
by tim1999
Sat Oct 07, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7937

Re: Do you want your receipt?

I always say no - who needs the extra trash in their pocket. They haven't printed credit card numbers on receipts in a long time so even if they print it and throw it away there is no problem. Plus with zero liability in an unlikely case where something to happen it wouldn't much matter. If they ra...
by tim1999
Sat Oct 07, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5942

Re: Roof shingles do not match - Neighbor sent notice

Where I live there are a lot of older twin homes and rowhouses with no HOA and no other rules governing them. It is quite common to see on a duplex two roofs of completely different colors. Unless both units are owned by the same person, the roofs on both are rarely replaced at the same time, and pe...
by tim1999
Fri Oct 06, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4493

Re: Too much house? (nervous 1st time buyer)

How much are the annual property taxes on this house? HOA fees if any? Where I live, the property taxes on a 330k house could be $8,000+ per year and would sway me away from buying if I were living alone and didn't really need all that room.
by tim1999
Fri Sep 29, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1189

Re: Luggage locks

I use TSA locks from Walmart. Mainly because I travel often with a soft-sided golf club case and duffel bags with zippers. I don't want the zippers coming apart from being jostled around and spilling the contents all over the tarmac. My golf bag is always searched by TSA (they leave a notification s...
by tim1999
Mon Sep 18, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2575

Re: Convertible in Florida or not...

If you buy a convertible, do not get one with a black leather/leatherette interior, trust me. Go with a light color interior.
by tim1999
Mon Sep 18, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Frozen credit while job hunting?
Replies: 2
Views: 492

Re: Frozen credit while job hunting?

I recall always having to sign something first before a potential employer would check my credit/do a background check. I would unfreeze all at that time and say nothing to HR. You would theoretically have some advance warning that the moment was coming - notification of a second interview, asking y...
by tim1999
Sun Sep 17, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1512

Re: Should I upgrade an old but functional vanity?

I have the exact same outdated towel ring and matching toilet paper roll holder. Both are functional but just look old/cheap. I'd probably upgrade the bathroom if I were going to sell the place, and could get "free" family labor to do it, but otherwise it serves me fine.
by tim1999
Sat Sep 16, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Local Real Estate Agents recent ads - claim to have thousands of buyers??
Replies: 4
Views: 546

Re: Local Real Estate Agents recent ads - claim to have thousands of buyers??

I don't know about Washington DC, but in my market we have a big-time who advertises heavily that he will buy your house for cash if he can't sell it in some period of time (60 days?). The catch is that he pays a fire-sale price, on par with what one might pay a bank for a foreclosed house or even l...
by tim1999
Thu Sep 14, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19756

Re: Is it really Worth it to brown bag your lunch at work?

I never bring lunch to work from home unless it's leftovers from a restaurant dinner the night before. Spending a couple of extra bucks a day to eat in the work cafeteria or local fast casual place ($5-9 range) is an affordable luxury and I don't care if it will mean that with compounding interest I...
by tim1999
Sun Sep 10, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 3080

Re: Who actually buys lottery scratch offs?

I never buy scratch offs. My parents do give me around $20 worth around Christmas time and have done so for many years. Most I ever won on a single ticket from those batches was $5. 90% of the time the tickets win nothing. I do buy a draw-type lotto ticket every other week or so where the top prizes...
by tim1999
Sun Sep 10, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: NJ Teacher Lost with 403bs
Replies: 30
Views: 3955

Re: NJ Teacher Lost with 403bs

I have to admit the first couple of times I saw this thread title I thought it was about a teacher from NJ who lost 403 pounds of body weight.
by tim1999
Sat Sep 09, 2017 7:11 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3501

Re: New Mobile Phone number - Now hounded by Collection Agencies

This happened to me when I got a new work cell phone number a few years ago. The previous owner was apparently a deadbeat with numerous collectors calling. The calls died down after a couple of months. I also don't answer calls from any number I don't recognize. The bill collectors almost never leav...
by tim1999
Thu Sep 07, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Auto body repair: What to do about car insurance?
Replies: 21
Views: 1566

Re: Auto body repair: What to do about car insurance?

Accident history on Carfax reports comes mainly from police reports. Very few if any collision repair centers report to Carfax. If the cops weren't involved, I wouldn't worry about it. Last time I hit a deer, I purposely didn't report it to the police because I figured not only would it then make it...
by tim1999
Wed Sep 06, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 9510

Re: When calculating net worth, how do you value your house?

What similar houses nearby are actually selling for (sold price, not listing price), minus 7% for realtor commission and transfer taxes, minus mortgage balance.
by tim1999
Mon Sep 04, 2017 6:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18391

Re: [Are the Bogleheads] getting less interesting?

Whenever I read one of those posts from someone from California saying "I'm 35 years old, earn $400k/yr and am worth $5 million, am I doing OK?" I get turned off and avoid the forum for awhile. It seems like there have been more of those recently.
by tim1999
Mon Sep 04, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Service organizations/Dinner clubs?
Replies: 10
Views: 1076

Re: Service organizations/Dinner clubs?

Keep in mind that the members of these types of groups/clubs tend to be on the older end of the spectrum these days, and there have been many news stories about declining membership levels; probably not a ton of early 40s men there. Nothing wrong with that, just set your expectations properly. I hav...
by tim1999
Mon Sep 04, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 85
Views: 82199

Re: Experience selling car to Carmax?

I recently sold a deceased relative's car to Carmax. Painless experience. I probably could have gotten more money on craigslist, but this particular type of car would have drawn a lot of joyriding tire-kickers with no money (10 year old low mileage but not rare V8 Mustang in nice condition) and bein...
by tim1999
Mon Sep 04, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Need to Shred Old Checks? Old Credit Cards?
Replies: 18
Views: 1900

Re: Need to Shred Old Checks?

I'd shred or burn them. Even though the account was closed and had no money in it, I'd be afraid some crook would get ahold of them and go around town writing "bad checks" or goods or services with my name and address on them.
by tim1999
Mon Sep 04, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Hazardous Tree
Replies: 15
Views: 1839

Re: Hazardous Tree

My guess is that they will do nothing about it, especially since it looks like it's in an unmaintained woodland area. Of course, if it falls into your yard, and you put the pieces of downed wood back onto the open space property, they may cite you for illegal dumping... :oops:
by tim1999
Mon Sep 04, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 3184

Re: Are you a "car guy" or "car gal", how do you fund?

I usually have several "nice" cars at any given point in time. No beaters, I am not mechanically inclined plus have no patience for dealing with breakdowns. I either buy off-lease cars after very careful consideration (not uncommon for me to weed through 50+ examples of a particular year/model to fi...
by tim1999
Sat Sep 02, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 3113

Re: Would you rather (car wash/detail)

Automatic machine carwash = guaranteed swirl marks/scratches, pretty much, and that is why I refuse to use them. For me it's hand wash it myself or nothing.
by tim1999
Sun Aug 27, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 262
Views: 35288

Re: What is Bitcoin?

On Friday, my dental hygienist, who seems to get interested in every "get rich quick" scheme that comes down the pike, expressed great interest in buying Bitcoin for appreciation. This is one of my usual indications that something is reaching bubble status, like that old great depression tale of the...
by tim1999
Sat Aug 19, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 9521

Re: Is $9000 too much for a sectional sofa ?

My initial thought would be that if you are never going to have enough people needing to sit in that room to need a 4 piece sectional sofa, then it is a waste of money for $9,000.
by tim1999
Sat Aug 19, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7763

Re: DUI lawyer - need advice

In my anecdotal experience, the only cases where a super expensive/highly reputable attorney could gain you any advantage are ones where it's questionable whether the attorney had probable cause to conduct the traffic stop, or there were serious errors in the way the police conducted the BAC testing...
by tim1999
Fri Aug 18, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 5057

Re: Powerball - $510 million?

I probably buy maybe 20 lotto tickets per year, one at a time, anytime MegaMillions or Powerball gets over $300 million or so.
by tim1999
Wed Aug 16, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5359

Re: Best Housing To Avoid Noise

Look at a map of the area of the house and see if there is an airport capable of handling jets within say 5 miles or so. "Draw" lines straight out from either end of the tips of each runway for several miles. Avoid buying a house within a mile or so of each line. I am amazed at how many people buy h...
by tim1999
Tue Aug 15, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3710

Re: What kind of hotel do you get on business travel?

I usually stay at the IHG chain, meaning Holiday Inn/Holiday Inn Express/Crowne Plaza/Hotel Indigo/Candlewood. Seems most people I work with either stick with the IHG or Hilton chains exclusively, or stay at the place closest to the destination facility no matter what brand it is. We do have some pe...
by tim1999
Tue Aug 15, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2984

Re: PSA - Mute button for Gas Station TV!

I get fewer disgusted looks from the opposite sex if I watch the TV rather than people-watch as I wait for my gas tank to fill up, so I don't mind the sound.
by tim1999
Sat Aug 12, 2017 5:33 am
Forum: Personal Consumer Issues
Topic: Computerized car maintainance records or service history?
Replies: 5
Views: 626

Re: Computerized car maintainance records or service history?

Our company fleet vehicles get their oil changed at the Valvoline chain quick oil change places and those records show up on Carfax. Also, in my area the records from some of the higher-volume independent shops show up on Carfax.
by tim1999
Tue Aug 08, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2751

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

Playing a multi-line slot machine for one penny and one line per bet has to rank up there with the most boring things to do in a casino, right behind sitting in your room and staring at the wall. I mean, even if you hit the biggest possible payout for that bet (many machines require playing max bet ...
by tim1999
Mon Jul 31, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 160
Views: 27164

Re: $13 Million Goal for Early Retirement (am I crazy?)

For someone in their mid 30s I think I've done pretty decently financially in life. I read threads on here with people my age posting numbers well above mine, but then get to the part where they are IT-type workers in California, and I breathe a sigh of relief because I work in an old economy indust...
by tim1999
Mon Jul 31, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 54
Views: 4122

Re: About to buy a rental car, any advice?

I've warmed up to the concept of buying a used rental car, especially since the rental fleets seem to have more variety these days, not just the base models of yesteryear. The only ones I would probably avoid are economy-type cars from Enterprise. They do a lot of insurance replacement rentals with ...
by tim1999
Sat Jul 29, 2017 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 4712

Re: Any pilots here? [as a career]

It will still be a long road to all of the required minimum hours, certificates, and type ratings, but perhaps a second career as a corporate/charter jet pilot could be an option. There have been (false?) cries about a pilot shortage for years. For awhile I think it was just because the regionals in...