Search found 3303 matches

by tim1999
Wed Jul 26, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 2614

Re: Do people really buy foreclosures unseen?

On any foreclosure listing it says: NO VIEWINGS of this property. Please DO NOT DISTURB the occupant. "As is" cash only sale with no contingencies or inspections. Buyer will be responsible for obtaining possession of the property upon closing. Surely there must be some way of viewing the property. ...
by tim1999
Wed Jul 26, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7422

Re: Post Nuptial agreement guaranteeing alimony?

Sounds like this is less about the OP legitimately needing the money in the future, and more about spite or revenge. That is sad.
by tim1999
Wed Jul 26, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3971

Re: Golfers - need to ramp up ASAP!

I would suggest you skip the golf portion of the reunion. Unless your foursome sets the goal for the round as getting drunk, it will likely be a very frustrating/not fun round for both yourself and possibly your playing partners. If you decide you still want to play, I don't see the point in spendin...
by tim1999
Mon Jul 24, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: car lease buyout at term end - how negotiable?
Replies: 25
Views: 2500

Re: car lease buyout at term end - how negotiable?

In my experience with 3 import manufacturers, they will not negotiate the residual at lease-turn in but will often offer special financing rates or extended warranty deals. The dealer you turn the car in to usually gets "dibs" on buying it from the manufacturer and they usually want to keep the cle...
by tim1999
Mon Jul 24, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: 2017 Genesis
Replies: 34
Views: 3997

Re: 2017 Genesis

bubbadog wrote:Given the high depreciation of these models, I lightly used one looks like it might be a good value. Why not shop around for a 1-2 year old example.
+1 on this, 2015-2016 used models in the latest bodystyle are good values right now, initial depreciation was steep on these models.
by tim1999
Fri Jul 21, 2017 5:40 am
Forum: Personal Consumer Issues
Topic: car lease buyout at term end - how negotiable?
Replies: 25
Views: 2500

Re: car lease buyout at term end - how negotiable?

In my experience with 3 import manufacturers, they will not negotiate the residual at lease-turn in but will often offer special financing rates or extended warranty deals. The dealer you turn the car in to usually gets "dibs" on buying it from the manufacturer and they usually want to keep the clea...
by tim1999
Tue Jul 18, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7668

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

At this point in time, finding and using ethanol-free gasoline is probably more important than which brand of mower you buy.
by tim1999
Fri Jul 14, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 11689

Re: Do you count vehicle equity in net worth?

I count them because I own several more than I need for daily transportation, and all are debt-free. They could be sold quickly for cash if needed and are indeed assets, albeit ones that gradually decline in value.
by tim1999
Fri Jul 14, 2017 5:31 am
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 4514

Re: Hotel tipping: how much to leave?

I usually do not want housekeeping in my room during my stay and I leave the "do not disturb" sign on the door throughout. On the morning of my departure I will leave maybe $5 if I've left the room particularly messy, otherwise nothing. I'd guess I end up tipping maybe only 20% of the time, and almo...
by tim1999
Sun Jul 09, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5905

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

The OP is asking a question, and everyone is telling him to bring a sandwich or salad from home. Your advice is good, but it's not the advice he's asking for. My own thinking was that by buying brand-name cold cuts (Boars Head, Dietz & Watson, etc.) and making a sandwich at home, OP would probably ...
by tim1999
Sun Jul 09, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5905

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Buy better quality breads and name brand meats at a decent supermarket and make your own sandwiches at home to bring to work.
by tim1999
Sat Jul 08, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 8526

Re: Switch to federal job?

Anecdotally, every federal worker I know personally works fewer hours for similar pay but better benefits than their private sector counterparts once they have been in the job for awhile. Will not always be true, but at least is the case in my line of work. (GS-12/13/14 jobs).
by tim1999
Sat Jul 08, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Alternative to Carfax?
Replies: 2
Views: 468

Re: Alternative to Carfax?

Autocheck is regarded as Carfax's main competitor. Carfax does often have maintenance records listed, which Autocheck usually does not. Autocheck seems to be anecdotally better regarded on the car forums I read as it supposedly has more information on auction sales transactions and has better/more i...
by tim1999
Sat Jul 08, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 53
Views: 4828

What to wear for job interview - skip the tie?

I have my first in-person job interview coming up relating to a recent job search (grown to hate my current job - that's another story), first I've had in probably 10 years, other recent ones have been by phone only. Without giving too many details, the prospective employer is much like my current e...
by tim1999
Sun Jul 02, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: People who receive employer 401k contributions, how is it accounted on paystubs?
Replies: 28
Views: 2527

Re: People who receive employer 401k contributions, how is it accounted on paystubs?

My employer 401k contributions do not appear on my pay stubs/vouchers/statements/whatever you call them now that they are online only, never have.
by tim1999
Wed Jun 21, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 2389

Re: Used cars in high demand

adamthesmythe wrote:Reading OP again, my sarcasm detector twitched a little.
Same here. Those letters are targeted towards suckers. Though if they keep sending them, they must be working on some people.
by tim1999
Thu Jun 15, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 57
Views: 8951

Re: Contractor took deposit but never did any work. What next?

In my state when this happened years ago to me, all you could do was file suit in small claims court, at which you'd win and get a judgement that is virtually impossible to collect on. They passed some law to make this sort of thing a criminal offense in my state. Now you can call the police and the...
by tim1999
Sun Jun 11, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 3413

Re: 2004 LEXUS RX 330

I can't see the wisdom in trading a 2 year old car for an unknown 13 year old one in this situation. Keep the Highlander for 10+ years.
by tim1999
Fri Jun 09, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Getting House loan when I am still paying my car loan
Replies: 4
Views: 557

Re: Getting House loan when I am still paying my car loan

Unless you bought way more car than you can afford, and/or are going to try to buy a house you can barely afford, then it should not be a problem. Mortgage lenders will look at your debt to income ratio in determining whether or not to lend to you.
by tim1999
Fri Jun 09, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 2920

Re: Babson College

Years ago when I was in high school in NJ, I seriously considered (and applied to) Babson as I had a pretty entrepreneurial bent/interest at the time. I ultimately decided against it, as I perceived it as being too narrow-focused, and didn't want to be in an environment consisting (in my mind) of al...
by tim1999
Mon Jun 05, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 3637

Re: Gas station prices and quality

I usually buy from Top-Tier brands for my own cars, and also avoid stations that don't do a lot of business/low turnover of the gas supply, though those usually have high prices anyway.

If you shop around in my area, you can find a Top-Tier station that's within 25 cents per gallon of a no-name one.
by tim1999
Mon Jun 05, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: When a company spins off part of itself, do you keep the new company stock?
Replies: 17
Views: 1104

Re: When a company spins off part of itself, do you keep the new company stock?

I sell the spin-offs immediately. The price always seems to go down afterwards, likely because the parent loads up the spin-off with a ton of debt in many instances. And in one instance, Idearc, the spinoff eventually went bankrupt.
by tim1999
Mon Jun 05, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: SL Mercedes owners
Replies: 2
Views: 745

Re: SL Mercedes owners

What year/model are you interested in? They've been making them for, I dunno, like 40+ years now.
by tim1999
Mon Jun 05, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 1273

Re: How to find best but the cheapest red wine for better health?

For the purposes you are drinking it for, and the limited daily quantity I imagine you will be consuming, you might as well go with a decent boxed wine in the $15-$25 range. There are some pretty good tasting ones, and it will stay fresh longer and more economically vs. bottled wine. In my experienc...
by tim1999
Mon Jun 05, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Employer life insurance versus personal life insurance
Replies: 16
Views: 1336

Re: Employer life insurance versus personal life insurance

My employer's plan is a Godsend since it is issued no matter what. No company will issue me a personal policy now due to a health issue from many years ago (since treated/resolved) that is on my medical records that they can access. And now that there is a series of life insurance denials on my reco...
by tim1999
Mon Jun 05, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 8320

Re: Pimp my DW's ride.

I would also be interested in hearing first hand experience from someone in-the-know on car wraps. My concerns surround what, if any, effects there would be on the paint in the event that the wrap is removed. Also, how well they hold up to the sun - yellowing, fading, etc. As well as typical cost.
by tim1999
Sat Jun 03, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: How to reject tenants for subjective reasons?
Replies: 18
Views: 2975

Re: How to reject tenants for subjective reasons?

Reminds me of a three-unit building I owned and lived in one of the units, I once rejected an otherwise well qualified applicant simply because her voice was loud and sounded like Fran Drescher, laugh and all. I didn't want to hear that through the walls every day.
by tim1999
Fri Jun 02, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 4691

Re: Job offer without an in person interview

Are you going to move or is this a traveling/telecommuting job? Wouldn't you like to see the city you'll be moving to? I would have to move there. It's a city I've been to many times so I am quite familiar with it. My greater concern is the office space. Not trying to sound too picky, but I hate op...
by tim1999
Fri Jun 02, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Responding to a weird job interview question..
Replies: 31
Views: 3438

Re: Responding to a weird job interview question..

My teenage job involved working with older co-workers whose every other word seemed like a curse, and they would often go into detail about their sexual and drug/alcohol-related exploits. While it did not offend me, and my parents knew what the environment is like (my dad had done the same job when ...
by tim1999
Thu Jun 01, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 6630

Re: Use 2013 Audi A5 or New Honda Accord Sport

Sounds like a very good price for a '13 A5 with 40k miles unless it has an accident history or other issue.
by tim1999
Thu Jun 01, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 5758

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

At a recent family gathering, a relative mentioned that they bought a house a couple months ago, and it's already gone up in value 20% according to Zillow. And I also know another relative whose house has tripled in value in five years. Just like KBB for cars, Zillow doesn't buy houses. Their value...
by tim1999
Thu Jun 01, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Nephews play football - don't want to encourage this
Replies: 45
Views: 3821

Re: Nephews play football - don't want to encourage this

Pass on the tickets if it will make you feel more comfortable with the situation, but I can assure you it will do nothing to encourage them to take up a different sport instead.
by tim1999
Wed May 31, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 4691

Re: Job offer without an in person interview

This doesn't shock me at all. In my region and field people are incredibly in demand. We are having a hard time hiring anyone, from field people to engineers. First we get a lack of qualified candidates for almost any position and then if we do find someone we like they generally either have found ...
by tim1999
Wed May 31, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 4691

Re: Job offer without an in person interview

I did provide them with three references at their request (all three are past managers/co-workers), and all three let me know that they were contacted by the company. They could also verify my professional credentials pretty easily. However, I think I am going to propose an in-person meeting (aka "f...
by tim1999
Wed May 31, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 4691

Job offer without an in person interview

I have been looking for a new job for the last few months for a variety of reasons relating to my current job. I've had a few phone interviews with various firms across the county in the past few weeks. I cannot reveal my field of work here as it is extremely limited in focus, but basically there ar...
by tim1999
Tue May 30, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 24
Views: 2384

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

Where are you renewing at that you have to pay a $5 processing fee? I send in the check directly to Penndot when I get the renewal in the mail and don't have to pay a processing fee. All you save with the 2 year renewal vs. 1 year is possibly a check, a stamp, and a few minutes of your time. I'm gue...
by tim1999
Tue May 30, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: old Canadian money
Replies: 13
Views: 1583

Re: old Canadian money

I also have several hundred dollars in paper Canadian $1, $2, and $5 bills from the 1970s and 1980s that family friends from Canada gave me as a kid. I'm wondering what is the easiest way to either cash it in for USD or donate it to a charity that is willing to accept it and can turn it into a deduc...
by tim1999
Tue May 30, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 6452

Re: Do I deserve it?

At that stage in life, unless the Taurus is on its last legs, I'd rather keep driving it and move out of my parents' house instead.
by tim1999
Thu May 18, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1427

Re: Paying balance of costly ambulance ride

What happens if I don't pay the remainder myself? I think you need to wait and see what their response is after signing over the insurance check to them. They might just write off the rest, or ask you to pay another $100 or something. From your post it doesn't sound like you've had any communicatio...
by tim1999
Thu May 18, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 10338

Re: Which Small SUV for 15 Year Reliability?

I don't know that it's even possible anymore, but I'd try to find something that's non-turbo and non-CVT for long-term reliability.
by tim1999
Thu May 18, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1427

Paying balance of costly ambulance ride

A few weeks ago I suffered a pretty serious injury during a sporting event I was playing in. Game officials drove me to an urgent care center, but the care center decided I need to go to the hospital ER and arranged for an ambulance, a local supposedly non-profit ambulance association. It was a 7 mi...
by tim1999
Sun May 07, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 17
Views: 2219

Re: Anyone subscribe to Barron's?

TomatoTomahto wrote:You can watch porn online for free now. With sound and all.
LOL thanks. I needed that. :beer
by tim1999
Sun May 07, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 2395

Re: Mazda CX3 lease... is this a good deal

mhalley wrote:So at the end of 3 years you have paid over half the value of the car and own nothing. Does that sound like a good idea?
You got the use of a new car for 3 years with no money down and the ability to turn it in and walk away at the end.
by tim1999
Sat May 06, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4730

Re: Best salads

Italian meats (cut up into small pieces), provolone cheese (also in small pieces), and pasta. Otherwise it's not really enough to be a full meal to me.
by tim1999
Sat May 06, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Need help with tree
Replies: 20
Views: 1414

Re: Need help with tree

I would probably replace it, and next time, build some kind of "bed" of mulch, etc. in a circle around it to avoid future problems involving hitting it with chemicals, lawn fertilizer, the lawnmower, etc.
by tim1999
Sat May 06, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Taking over lease of Luxury car, good deal? Anything else to know?
Replies: 19
Views: 1839

Re: Taking over lease of Luxury car, good deal? Anything else to know?

I'd be concerned about voiding the lease terms or warranty if you don't get it serviced at the dealer. That is not true. They cannot do that. There are laws against it. However, you should keep any non-dealer service records. In case the engine blows up at, say, 40k miles and they try to claim that...
by tim1999
Sat May 06, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Anyone subscribe to Barron's?
Replies: 17
Views: 2219

Re: Anyone subscribe to Barron's?

My subscription ended mid-March, but they are still sending it. Curious if anyone knows how long this typically goes on for. I recall reading once that they "continue sending Barron's for a short period after your expiration date in case you forget to renew." The best renewal deal they sent me was l...
by tim1999
Sat May 06, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Do I need a deed?
Replies: 13
Views: 1039

Re: Do I need a deed?

As long as the deed is recorded with the county or appropriate other agency for the area, nobody needs a copy of their deed. I'll never figure out why some people treat their deeds like some kind of sacred document. As others mentioned, you can get a copy of any recorded deed for a few bucks, often ...
by tim1999
Sat May 06, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Taking over lease of Luxury car, good deal? Anything else to know?
Replies: 19
Views: 1839

Re: Taking over lease of Luxury car, good deal? Anything else to know?

If he really wants to get out of it, he should be paying you a cash incentive and he should pay all transfer fees.
by tim1999
Sun Apr 16, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: New law will ban NYC employers from asking about salary history
Replies: 15
Views: 2098

Re: New law will ban NYC employers from asking about salary history

Good. I'm tired of jerk employers trying to play games with this.