Search found 3387 matches

by tim1999
Thu Apr 06, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Unique position
Replies: 17
Views: 1326

Re: Unique position

Fast forward to the anger and finger-pointing following the resession and the rise of the TEA party (a "grass roots" organization mostly funded by the billionaire Koch brothers) and I was instantly labeled "a public funded leech who is sucking the state dry." Welcome to the forum. As an FYI, politi...
by tim1999
Tue Apr 04, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 8872

Re: Cost of Booze on a Cruise

How do they enforce these "one bottle per person" rules? Do they search your bags? Some years ago my aunt was quite proud that she was able to fill up the biggest diet coke bottle the grocery store sells with her own homemade rum and diet coke mix and bring it on a cruise ship. She had some clever w...
by tim1999
Mon Apr 03, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 6663

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

I am in my 30s and am not counting on receiving much if anything. I suspect at some point they will means-test out people with certain asset levels or incomes.
by tim1999
Mon Apr 03, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 5055

Re: I don't understand how commercial real estate making money

We have a ton of empty storefronts in strip malls around here, seeming increasingly so in the last year or two. Including new shopping centers with big-name tenants (Chipotle, Verizon Wireless, etc.) that are unable to fill all of the storefronts. On the other hand, they cannot build "luxury apartm...
by tim1999
Mon Apr 03, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Verbal abuser at work
Replies: 37
Views: 3791

Re: Verbal abuser at work

We have such a bully at work. He will call you "f-ing stupid" to your face and if you don't have the right answer for what he is looking for he will angrily tell your supervisor of your deficiency. Unfortunately he has risen up into senior management (how this guy continuously gets major promotions ...
by tim1999
Fri Mar 31, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 5055

Re: I don't understand how commercial real estate making money

We have a ton of empty storefronts in strip malls around here, seeming increasingly so in the last year or two. Including new shopping centers with big-name tenants (Chipotle, Verizon Wireless, etc.) that are unable to fill all of the storefronts. On the other hand, they cannot build "luxury apartme...
by tim1999
Wed Mar 29, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 79
Views: 9723

Re: Bankruptcy of Westinghouse Electric

From what I recall, they are (were?) a fairly major employer in the north hills of Pittsburgh up by Cranberry Twp. I assume those were mostly fairly good paying jobs. I feel bad any time I hear about something like this and the loss of family-sustaining type of jobs.
by tim1999
Wed Mar 29, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: MLP's and Non-Resident State Taxes
Replies: 19
Views: 3998

Re: MLP's and Non-Resident State Taxes

I held a few MLP's for maybe 4-5 years, had no more than perhaps $5,000-$10,000 invested in each one. I never filed taxes for them in non-resident states and never had any issues. The amounts attributable for each state were way under the minimum filing requirements anyway.
by tim1999
Wed Mar 29, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: Cars - possible recession indicator?
Replies: 21
Views: 3973

Re: Cars - possible recession indicator?

May be brand, model, or location dependent. The local Subaru lot is pretty bare, and usually is. The local Ford lot seems to have trouble keeping enough F-150's in stock but has a zillion Fusions and Focuses. The local Infiniti dealer has a packed-full showroom lot (mostly Q50's), and for at least 2...
by tim1999
Wed Mar 29, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 15449

Re: When do you plan to die?

No male in my family has made it past 72 except for one that passed back in the 1960s. Even if I last past that, I don't plan on sticking around much past the point where I can't drive or do anything other than sit in a chair all day.
by tim1999
Mon Mar 27, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Where to borrow a moving cart from
Replies: 11
Views: 1726

Re: Where to borrow a moving cart from

I bought a furniture dolly from UHaul for $20 a couple years ago. They also had hand-trucks that convert into flat carts for something like $60-70. Unless you have a "buddy" working there, I don't think most businesses will loan these items out for free without some kind of security.
by tim1999
Mon Mar 27, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 10128

Re: Massive Student Loan Debt - Girlfriend

If you get married, get a prenup that clearly states that the 175k debt is and always will be hers alone. If things go splitsville, you will thank me later.
by tim1999
Sun Mar 26, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 24050

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

We don't have In-N-Out here. My rankings based on what we do have here: 1. Jake's Wayback (not really a fast food joint though) 2. Smashburger (takes forever at lunchtime unless you order ahead online) 3. Steak N' Shake 4. Five Guys 5. Wendys 6. McDonalds, but only when they have the Angus burger on...
by tim1999
Sat Mar 25, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ever apply a competitor and have word get back to your employer?
Replies: 29
Views: 3970

Re: Ever apply a competitor and have word get back to your employer?

I applied to a competitor and I figured it wasn't an issue because I knew the manager of the department at the competitor and most of her employees. I had enough of a rapport with them to know they would not snitch, especially since some of them were former disgruntled employees of my then-current e...
by tim1999
Sat Mar 25, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Anyone replaced a pickup with an SUV?
Replies: 35
Views: 5581

Re: Anyone replaced a pickup with an SUV?

wilshuer wrote: Echo the sentiment of not putting lumber in a 50k SUV.
Just get a cheap moving blanket or two and lay them out in the rear compartment (and possibly up along the side windows if the stack of wood is high) when hauling. No big deal.
by tim1999
Thu Mar 23, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 6884

Re: How did you do your income taxes?

TurboTax, and I don't do them until around April 5-7, since I always owe a bit of money. Haven't started yet.
by tim1999
Thu Mar 23, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Should I sell my 2016 MDX and just lease? Minimal mileage needs
Replies: 11
Views: 1482

Re: Should I sell my 2016 MDX and just lease? Minimal mileage needs

Do you only need one car in the household? Then perhaps yes, sell it. if you need 2 cars, just keep the MDX and drive it for the next 20 years or however long it will last due to the low mileage put on it. Sounds like either you don't need a car or don't drive, only she does?
by tim1999
Thu Mar 23, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 43
Views: 4367

Re: Do I need title insurance?

To the OP: yes you need it, but it is a major scam of our system. Can anyone cite a case they know of where title insurance actually paid out some cash? Yes. Without telling a very long story, the title insurance company had to petition (through court) a county to reverse a tax sale and then had to...
by tim1999
Wed Mar 22, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 173
Views: 23762

Re: "Millionaire Next Door" Net Worth Formula

I used to fly first class a lot when I traveled for work and had status. Now, not so much. But with mobile check-in, pre-check and early boarding as a credit card perk, I barely miss flying first class (on domestic flights anyway). I am not a physically huge person so I don't need a lot of seat roo...
by tim1999
Wed Mar 22, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1984

Re: How do I share internet with my neighbor?

I'm no pro at this, but I would buy a WiFi repeater for my house, have him give me his password, and split the monthly cost. You have to trust that your brother (or yourself) has no desire to or nobody in the household does to view/download any illegal content (if you know what I mean).
by tim1999
Tue Mar 21, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: What building year I should seek when shopping for a house?
Replies: 33
Views: 3221

Re: What building year I should seek when shopping for a house?

I would avoid anything built from 2003-2007. Too many corners cut in the race to build during the bubble, shortages of quality labor, potential issues with Chinese drywall in certain states, etc. I worked in the industry at the time and saw a lot of this first hand. When the bubble started crashing ...
by tim1999
Tue Mar 21, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 173
Views: 23762

Re: "Millionaire Next Door" Net Worth Formula

Lol @ the F-150 talk, which is somewhat dated in the context of that book. Reminds me that my primary care physician drives a circa 2015-2016 F-150 Platinum 4x4 which is essentially a 60k truck with heated/cooled leather seats, power everything, Sony stereo, nav, sunroof, etc. I don't think you coul...
by tim1999
Mon Mar 20, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Salary / employment verification
Replies: 27
Views: 2941

Re: Salary / employment verification

Perhaps you could just have only your spouse's name on the lease and avoid the whole issue. They probably have some rule about verifying income of anyone on the lease, even if one person puts it way over the minimum requirement.
by tim1999
Mon Mar 20, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 6749

Re: Any downside in buying a brand new house ?

Where I live, almost all of the large, mass-subdivideable wooded tracts of land have already been built out. All that's left are the wide open cornfields. So, if you buy one of these new cornfield houses (which are almost always on small 1/4 to 1/3 acre lots) you have zero privacy and can see all of...
by tim1999
Sun Mar 19, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 17089

Re: Paying $20 to E-File State Return

I've always printed it out and mailed it. Between paper, ink, envelope, and stamps I figure it costs me less than $2 to do so. And since I always owe the state money, it's not like I'm in a hurry to get it to them.
by tim1999
Sun Mar 19, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 3310

Re: Cheapest dress shirt to wear under a sweater

I ended up going to a different Boscov's location 30 miles away as I was in the area visiting relatives today, and found a few for between $9 and $17 each. Went to two additional Marshall's and both had almost zero in terms of dress shirts - only casual button downs, mostly with button-down collars,...
by tim1999
Sun Mar 19, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 6376

Re: Looking for a snazzy car

Are you looking for something more snazzy or more jazzy? Jazzy would be any Buick. Snazzy would be a Toyota Avalon with a sunroof. Everyone at Del Boca Vista Retirement Village would be impressed with either. Just don't let Jack Klompus see it. He may accuse you of stealing funds from the Del Boca ...
by tim1999
Sat Mar 18, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1467

Re: "Allowance" for new car

In my part of the country, the dealer radio "screamer" ads all talk about a "minimum trade allowance" of, say, $5,000, meaning you can bring in some $500 junker that dies in their lot, and they will "give" you $5,000 on trade for it. But you are paying for it somewhere. Either they increase the pric...
by tim1999
Sat Mar 18, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 3310

Re: Cheapest dress shirt to wear under a sweater

If you've got the time for a treasure hunt you could browse local Goodwill stores. Inconsistent sizing but lot of variety. Getting stuff from Goodwill can help to avoid comments from co-workers such as "New shirt?". Ehh, thanks but I have to draw the line somewhere, I don't wear other people's used...
by tim1999
Sat Mar 18, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 3310

Cheapest dress shirt to wear under a sweater

In the winter I like to wear dress shirts underneath wool V-neck sweaters. Usually I have several button down dress shirts that have gotten too old or ratty to wear by themselves, but they still look good under a sweater where all you can see is the collar. Unfortunately all of the ratty ones I have...
by tim1999
Sat Mar 18, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 2753

Re: When does a new computer make sense...

I wait until they get so jammed up with crap from the internet that I can't seem to get rid that the slowness is frustrating. In recent years I've been able to get 3-4 years out of netbooks and desktops that I buy new for around $300-$400. On a 3-4 year old model it's not worth paying someone to fix...
by tim1999
Sat Mar 18, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 173
Views: 23762

Re: "Millionaire Next Door" Net Worth Formula

crazygrow wrote:This doesn't work well if you have a huge rise in income over a few years (for me it was 4x).
Agreed. I started out making peanuts right out of college for 5+ years, and thanks to a couple of job changes in my late 20s, my income tripled in just a couple years.
by tim1999
Sat Mar 18, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 173
Views: 23762

Re: "Millionaire Next Door" Net Worth Formula

It is generally worthless for anyone under age 35-40 or so, especially for someone who spent an extended time in professional school leading to a higher income such as a physician or biglaw attorney. The Financial Samaurai blogger gives much more realistic numbers, especially his "average net worth ...
by tim1999
Sat Mar 18, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Buying a Storage Unit with Condo...?
Replies: 23
Views: 2618

Re: Buying a Storage Unit with Condo...?

I'd be interested to know if there are any restrictions to leasing out the storage unit to a fellow resident of the condo complex. Some people need extra space for their "junk", and you may not need it at first. Then again, if both you and the renter keep your mouths shut, I don't know how anyone wo...
by tim1999
Sat Mar 18, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 45
Views: 7349

Re: Want to buy a used Mini Cooper-> Talk me into it?

Try doing a search, I recall there was another Mini Cooper thread in the last few months, I believe someone had one that he/she was considering getting rid of before it basically self-destructed and the consensus was that those cars are junk outside of warranty.
by tim1999
Sat Mar 18, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 6376

Re: Looking for a snazzy car

You can get a 2014 CPO Infiniti Q50 with low-ish miles for 23k-ish now. 328hp, 0-60 well under under 6.0 seconds, available AWD (all most all of them in northern states came with AWD) good sounds from the engine, good reliability from a proven engine. Original MSRP was $42k+ for most of them.
by tim1999
Fri Mar 17, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 3467

Re: won a car - want to sell

I won a car at a casino once. I contacted the dealer that was sponsoring the giveaway (they almost always have ads up where the car is parked prior to the giveaway) and made a deal to sell it back to them. I never even drove it. They just took it out of the casino, brought it back to the dealership ...
by tim1999
Fri Mar 17, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 8278

Re: Endless Job Interviews (with same company)

Where I work, it's a minimum of a phone screen with a recruiter from HR, a panel interview with the people you would be working with, and a smaller interview with just your potential boss as well as his boss. It's a megacorp and the hiring process moves at a glacial pace. Phone screen to your first ...
by tim1999
Thu Mar 16, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 18
Views: 2807

Re: Cord cutting: Masters Golf

Pretty much any restaurant/bar associated with a golf course that owns a TV will be showing it.
by tim1999
Thu Mar 16, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 5073

Re: How do you cope with regret over selling too soon?

One of my favorite sayings is "A bird in the hand is worth two in the bush." Relates well to stock holdings.
by tim1999
Thu Mar 16, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 2850

Re: Looking at refurbished desktop PCs

I prefer to buy the cheapest HP or similar desktop at Staples or Best Buy for around $300.
by tim1999
Wed Mar 15, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 4049

Re: Relocation to Milwaukee

I don't know what your hobbies/leisure activities are, or where you are coming from, but keep in mind the winter weather is awful.
by tim1999
Wed Mar 15, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 17
Views: 3103

Re: Anyone subscribe to Barron's?

I've been getting Barrons in the mail for probably 7-8 years now. As someone who messes around with individual stocks for part of his holdings, some of the stories have interest. Some of the data is useful to me, like listings of stocks hitting 52-week highs/lows, dividend increases/decreases, etc. ...
by tim1999
Wed Mar 15, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 2516

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

This is my guess of ownership history based on that report (and I read a lot of Carfax/Autocheck reports) -Owner A leased it new, then after a few months probably either decided they didn't like the car or otherwise didn't needed it anymore. -Owner B in TN assumed the lease from Owner A and drove a ...
by tim1999
Wed Mar 15, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 7310

Re: What to do with $100???

Take your significant other out to dinner. If you don't have one, take yourself out a few times.
by tim1999
Tue Mar 14, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Temporarily registering new car at friend's address -- anything wrong?
Replies: 39
Views: 3305

Re: Temporarily registering new car at friend's address -- anything wrong?

Not sure if it's relevant, but according to dealer, their corporate office limits them to sales within their region, so they are required by their corporate office to charge higher prices for buyers outside the region (defined by new vehicle registration address). I call BS on this statement from t...
by tim1999
Tue Mar 14, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 23414

Re: gratuitous homeownership items

I just remembered that my parents installed a whirlpool tub in a bathroom they were renovating back in the early 1990s. The whirlpool function was never used other than to test it when the installation was complete. Who knows if it even works anymore.
by tim1999
Tue Mar 14, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - Sewer Backup necessary?
Replies: 7
Views: 1205

Re: Homeowners Insurance - Sewer Backup necessary?

You may want to investigate the cost of having a backflow prevention valve installed on your sewer lateral, then drop this coverage. Do you have a lot of trees growing around where your sewer line comes in from the street? Roots around older pipes can cause backups. If your line backs up, crap will ...
by tim1999
Tue Mar 14, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: Why don't things "feel" bubbly?
Replies: 76
Views: 10458

Re: Why don't things "feel" bubbly?

It is odd to me in that the permabears are being quiet, and in social circles pretty much nobody is talking about the market. Back in the tech bubble and 2007-ish the opposite was true for me. The issue is that pretty much everything else provides no return. Buy expensive stocks that will possibly k...