Search found 3477 matches

by tim1999
Thu Nov 15, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6372

Re: Wait, do I need a prenup?

I dont know why prenups are a big deal either? Its a legal binding contract, correct? WHAT DO YOU THINK MARRIAGE IS? Marriage is also a legal binding contract recognized by the state. As all of you who are married know...you had to go to some local state building and sign some paperwork. That made ...
by tim1999
Wed Nov 14, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6372

Re: Wait, do I need a prenup?

Any prenup should also address alimony, which I don't see much talk about above this post. Preferably, both parties should agree to waive alimony in the event of a divorce. Also, you need to get this pre-nup business nailed down well in advance of the wedding (I. e. do not spring it on them the day ...
by tim1999
Mon Nov 12, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2406

Re: Still spending too much on non-essentials

So you find a way to eliminate this $100 in monthly spending, which you feel is getting in the way of reaching your goal of being "financially free", then you reach what you deem to be "financially free" at 42. Then what are you going to do? Sit around all day trying not to spend money beyond minima...
by tim1999
Mon Nov 12, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2700

Re: How long have you had, or did you have, your HP-12C calculator?

Never had one. I don't do any tasks that necessitate having one.
by tim1999
Sat Nov 10, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2406

Re: Apple - Old Product Boxes - Keep or Dispose?

Sell them on eBay. Seriously. Look at sold listings, you would be amazed on some of the prices. I see the imac boxes are selling (actually sold, not just listed) for decent money on there. $30-40+. Though it looks like the iphone and ipad boxes are mostly selling for $10 or less including free ship...
by tim1999
Fri Nov 09, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2406

Re: Apple - Old Product Boxes - Keep or Dispose?

I keep the boxes because I like the finish, and I re-use them for other things, not because I'm keeping them to use along with an eventual resale of the product when I'm done with it. Besides, the last thing a potential buyer of my 10-year old Ipod, my iPhone with a cracked screen, or circa 2012 Ipa...
by tim1999
Fri Nov 09, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4798

Re: Doing taxes by hand

My parents do theirs by hand, but their situation has always been pretty simple. I don't think it ever takes them more than an hour.
by tim1999
Thu Nov 08, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9690

Re: Favorite "free stuff"?

Finding near-new Titleist ProV1 golf balls in the woods alongside the golf hole I am playing.
by tim1999
Mon Nov 05, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Son has job offer in Nashville, can he survive on base of 33K
Replies: 16
Views: 2463

Re: Son has job offer in Nashville, can he survive on base of 33K

If it were me, I would compile a list of my expenses in each location. Housing, parking, utilities, hobbies, car insurance, local income taxes, etc. can vary greatly. Is he planning on splitting an apartment with a roommate, or does he want to live alone? Compare the list of the expenses to the base...
by tim1999
Sat Nov 03, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5967

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

If you go with a new E-Class, skip the 4-cyl E300 and get the 6-cyl E400. Unless you don't care about power/acceleration.
by tim1999
Tue Oct 30, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2654

Re: Luxury Sedans for around $25k used with lower miles? AWD?

2014-2015 Infiniti Q50's are cheap, can be had for 25k or less for off-lease, low-mileage examples, the 3.7 engine is very proven, powerful, and reliable. Gas mileage isn't great, but you can get mid/high 20s on the highway. No junky CVT transmission on these cars, they have a reliable 7-speed autom...
by tim1999
Tue Oct 30, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 4708

Re: GE: We Bring Bad News To Life!

I recall in the early 2000s my parents wanted to buy a small piece of land from a neighbor to get better access to part of their property, and the owner was this arrogant early-retiree GE middle management type who kept rebuffing their attempts to make an offer with "I HAVE 50,000 SHARES OF GE STOCK...
by tim1999
Tue Oct 30, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4924

Re: Should I co-sign for relative?

pennylane wrote:
Mon Oct 29, 2018 5:36 pm
Thanks everyone for the input.
Come on, tell us what kind of car it is, us car guys and gals here want to know...
by tim1999
Tue Oct 30, 2018 8:20 am
Forum: Investing - Theory, News & General
Topic: Who's Buying General Electric?
Replies: 39
Views: 4578

Re: Who's Buying General Electric?

Dead money.
by tim1999
Mon Oct 29, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2684

Re: Additional charges for kids in Las Vegas hotels

On a related question but overseas at a four star horel, I booked a room with two twin or full beds and I guess I clicked on one person when I booked online. I came to the hotel desk and the person charged me for more than the amount I was initially billed because I had two people. I complained and...
by tim1999
Sun Oct 28, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4769

Re: What Memberships/Subscriptions Are Most Valuable To You?

Private golf club even though it is more than many peoples’ car payment.

AAA, has paid for itself several times over.
by tim1999
Sun Oct 28, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2684

Re: Additional charges for kids in Las Vegas hotels

Kids don't gamble and parents without kids don't gamble as much since they are dealing with the kids. The big hotels want gamblers not kids. This. And unless your morals somehow prohibit it, it would be pretty easy to sneak the kids in anyway without paying extra. Just don't bring the kids to the c...
by tim1999
Thu Oct 25, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Exotic Car Financing
Replies: 37
Views: 1672

Re: Exotic Car Financing

What's your annual income and the total of your other non-car expenses?
by tim1999
Wed Oct 24, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25634

Re: PSA: Don't buy a big house

One nice thing about a big house is hosting parties and out of town guests. But with that said I think the biggest house I would want is 2,500 - 3,000 sqft for a family of 4 or 5. You could put every one of your out-of-town guests up in the Four Seasons, W, Omni, take your pick, and never come clos...
by tim1999
Sun Oct 21, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3074

Re: Why Purchase an Automobile using Premium Gasoline?

The octane of fuel required is probably the least thing I care about when buying a car. The cost difference between 87 and 91 octane makes zero difference in my life. I'm not going to not buy a car I otherwise really like, just because it requires premium fuel. That being said, I'm a "car guy", the ...
by tim1999
Fri Oct 19, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3020

Re: Selling to CarMax if maintenance lights on?

My guess is that CarMax will sell your vehicle at auction anyway, given its age and damage. Don’t put $350 into it. This. They have zero interest in selling this car on their lot and won't put a dime into it. I would highly doubt they would deduct anything on the value for the light. So long as the...
by tim1999
Wed Oct 17, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5988

Re: Best way to complain about Hertz bait-and-switch?

Reserving a specific make and model of car, unless it is part of an "exotic" collection like a Porsche (and priced accordingly) isn't the way the business models of big rental car companies work. I don't care if the reservation agent in a call center somewhere says they will reserve you a Mustang co...
by tim1999
Wed Oct 17, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4089

Re: Approach to rescinding a job acceptance

A polite, timely phone call is all that is needed. No approach will save the bridge. When this happened at our company, HR and the hiring execs used phrases like "she's dead to me" or "she-who-will-not-be-named." I'm happy that the current tight market for many highly skilled/specialized positions ...
by tim1999
Thu Oct 11, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1838

Re: Buying a pre-owned Lexus IS-250

It will probably be very reliable unless somehow abused by a prior owner, and it looks good in my eyes, but as others have said, it is relatively slow/weak on power, and doesn't even get great gas mileage to make up for it.
by tim1999
Thu Oct 11, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 57
Views: 4260

Re: Which one: Lyft or Uber?

Would you use either to take you and your spouse from home to the airport? What worries me is that because of the bidding process, possibly hundreds of potential drivers would learn that a couple needs a ride from your house to the airport and know the house will be unoccupied for some period of ti...
by tim1999
Mon Oct 01, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3175

Re: Anyone ordered a vehicle through a dealership?

On a dealer trade, I've always gotten a much cheaper price by figuring out what dealer they are getting it from, then working with that dealer directly.
by tim1999
Mon Oct 01, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2425

Re: city water sewer vs well septic

A family member is currently in the middle of a project to install a new septic system for a house in an east coast HCOL suburb to the tune of $40,000. The old system dates to the 1960s when the house was constructed. They could not find an area on the lot that would perc for a standard in-ground sy...
by tim1999
Mon Oct 01, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 31
Views: 1990

Re: Do you like technical conferences?

I don't work in tech/IT, but I've basically stopped going to professional conferences in my field, it sort of coincided with the point in time where I got tired of business travel in general. The conferences/annual conventions in my field mostly consist of older workers rehashing the same old educat...
by tim1999
Fri Sep 28, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14766

Re: Sears, a 125 year old company is now a penny stock.

I'm really surprised they've lasted this long. I figured they would have been dead 10 years ago. Back in 2000s all the CNBC-type pundits talked about how, despite their retail business dying, they had "great and valuable real estate holdings." Every Sears location I can think of that has existed wit...
by tim1999
Sun Sep 23, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 25
Views: 1798

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: 9224

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: 2592

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: 293
Views: 25509

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: 3620

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: 157
Views: 13095

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: 157
Views: 13095

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: 4447

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: 3525

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: 3016

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: 1885

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: 6875

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: 46
Views: 4124

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: 762

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: 8682

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: 3019

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: 46
Views: 4124

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: 2629

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: 4829

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: 6443

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...