Search found 3457 matches

by tim1999
Sun Oct 21, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 59
Views: 1918

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: 2712

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: 53
Views: 4813

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: 3892

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: 1757

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: 44
Views: 2852

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: 3106

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: 2351

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: 1946

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: 14455

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: 1768

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: 9027

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: 2563

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: 25238

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: 3567

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: 12144

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: 12144

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: 4389

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: 3489

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: 2984

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: 1869

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: 6831

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: 4085

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: 757

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: 8531

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: 2976

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: 4085

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: 2606

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: 4790

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: 5975

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: 1331

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: 1482

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: 1482

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: 2479

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: 6559

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: 1827

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: 1827

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: 1571

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: 1361

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: 6559

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: 2632

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: 3197

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: 1562

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: 2395

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: 1203

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: 1364

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: 15040

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: 8816

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: 6190

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: 6190

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.