Search found 3317 matches

by tim1999
Sat Jan 20, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 39
Views: 2141

Re: New Brake Pads

Based on what I've seen in my area, that seems to be a fair price to pay at a shop for brake service. I've seen a lot worse at some dealerships, especially on upscale brand cars.
by tim1999
Sat Jan 20, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 43
Views: 2547

Re: Telemarketing calls from my own prefix

I've started getting a lot of these "spoofed number from the same prefix as mine" calls on my cell phone in the last 6 months. No point in blocking them individually because they never seem to spoof the same number twice. I just ignore the calls, as I do for any number I don't recognize, they don't ...
by tim1999
Mon Jan 15, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1331

Re: TSA locks for luggage

I use TSA locks not to prevent theft, but because I don't want the zipper on the bag to come open while in transit and have my stuff spill out all over the tarmac. I used to use zip ties for this purpose until some point when the TSA began cutting them off to inspect the contents and not replacing t...
by tim1999
Wed Jan 10, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Lease a Silverado 4x4 extended cab for $152 month?
Replies: 23
Views: 2461

Re: Lease a Silverado 4x4 extended cab for $152 month?

I find that lease price hard to believe. Are you sure it's not some teaser ad that, according to the fine print, only applies to one specific stock number vehicle that just happens to be already sold when you show up at the dealership? The offer on Chevy's website is $199/mo for 24 mo with $4,119 do...
by tim1999
Wed Jan 10, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: any success buying a car at lease end?
Replies: 25
Views: 1942

Re: any success buying a car at lease end?

I've leased numerous cars over the past 15 years. At lease end, none of the manufacturer's finance divisions would budge one bit on the residual value if I wanted to buy the car, but all offered either special low/no interest financing, free/reduced price extended warranties, or both.
by tim1999
Fri Jan 05, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23245

Re: What frugal thing did you do today?

This is yesterday but got an unsolicited mail from a charity with a dime and a penny affixed. Peeled those off and put them in my coin jar. There are some good posts here, but I'm still giggling over this one. I did the same thing today, I think I've done it a few times before. The solitication had...
by tim1999
Fri Jan 05, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 1828

Re: How to browse specifically for homes with "mother-in-law suite"?

My local MLS's public website does not make this easy, you would literally have to read the description of every house listing in the target area.
by tim1999
Sun Dec 31, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: flood damaged cars?
Replies: 15
Views: 1482

Re: flood damaged cars?

Right of the bat, I would avoid any used car that shows in Carfax/Autocheck as being registered in the Houston area around the time of the flood. And avoid any car that is a few years old but comes up with pretty much zero history other than being put up for sale recently, I always suspected this i...
by tim1999
Sun Dec 31, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Another car thread - old ones?
Replies: 14
Views: 950

Re: Another car thread - old ones?

I've always wanted a big 'ol 1970s Cadillac (land yacht style) but my complete lack of mechanical skills has deterred me. The first time it won't start in the garage, I'd be in trouble.
by tim1999
Sat Dec 30, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: flood damaged cars?
Replies: 15
Views: 1482

Re: flood damaged cars?

Right of the bat, I would avoid any used car that shows in Carfax/Autocheck as being registered in the Houston area around the time of the flood. And avoid any car that is a few years old but comes up with pretty much zero history other than being put up for sale recently, I always suspected this in...
by tim1999
Sat Dec 30, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: How did you guys do in 1966 - 1980?
Replies: 27
Views: 1837

Re: How did you guys do in 1966 - 1980?

I've discussed this sort of topic with some elderly relatives before. People now in their 80s/90s or would be that age if they were still alive. None of them invested in the market during this time period (or really any other time period), instead relying on pensions/social security, and keeping the...
by tim1999
Sat Dec 23, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11798

Re: European Cities that don't interest you

Others will probably call me small-minded in that international travel holds little appeal to me.
by tim1999
Fri Dec 22, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 260
Views: 20021

Re: Do you see a meaningful change in your income with new Tax Bill?

If the calculators are remotely accurate, my taxes will decrease a few thousand bucks per year.
by tim1999
Sat Dec 16, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate sale- opinions requested
Replies: 8
Views: 589

Re: Real Estate sale- opinions requested

If you decide to sell to The Parent you should probably have an attorney draft the agreement of sale and coordinate any seller details relating to closing. I once had a neighbor interested in buying a property I was looking to sell. His strategy seemed to be to lowball me somewhat while continuously...
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: 4778

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: 4794

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: 10882

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: 6024

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: 2372

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: 93
Views: 7859

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: 93
Views: 7859

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: 3576

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: 8994

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: 5738

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: 1765

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: 963

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: 3522

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: 963

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: 2978

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: 2661

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: 8164

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: 6010

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: 4720

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: 1264

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: 2647

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: 513

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: 1573

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: 564

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: 20439

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: 3249

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: 4147

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: 3647

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: 1601

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: 10513

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: 19056

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: 1117

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: 91324

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: 1976

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: 1881

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: