Search found 3322 matches

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: 19682

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: 1165

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: 99040

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: 2030

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: 1916

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:
by tim1999
Mon Sep 04, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 3437

Re: Are you a "car guy" or "car gal", how do you fund?

I usually have several "nice" cars at any given point in time. No beaters, I am not mechanically inclined plus have no patience for dealing with breakdowns. I either buy off-lease cars after very careful consideration (not uncommon for me to weed through 50+ examples of a particular year/model to fi...
by tim1999
Sat Sep 02, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 3314

Re: Would you rather (car wash/detail)

Automatic machine carwash = guaranteed swirl marks/scratches, pretty much, and that is why I refuse to use them. For me it's hand wash it myself or nothing.
by tim1999
Sun Aug 27, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 263
Views: 37688

Re: What is Bitcoin?

On Friday, my dental hygienist, who seems to get interested in every "get rich quick" scheme that comes down the pike, expressed great interest in buying Bitcoin for appreciation. This is one of my usual indications that something is reaching bubble status, like that old great depression tale of the...
by tim1999
Sat Aug 19, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 10346

Re: Is $9000 too much for a sectional sofa ?

My initial thought would be that if you are never going to have enough people needing to sit in that room to need a 4 piece sectional sofa, then it is a waste of money for $9,000.
by tim1999
Sat Aug 19, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 8214

Re: DUI lawyer - need advice

In my anecdotal experience, the only cases where a super expensive/highly reputable attorney could gain you any advantage are ones where it's questionable whether the attorney had probable cause to conduct the traffic stop, or there were serious errors in the way the police conducted the BAC testing...
by tim1999
Fri Aug 18, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 5458

Re: Powerball - $510 million?

I probably buy maybe 20 lotto tickets per year, one at a time, anytime MegaMillions or Powerball gets over $300 million or so.
by tim1999
Wed Aug 16, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5595

Re: Best Housing To Avoid Noise

Look at a map of the area of the house and see if there is an airport capable of handling jets within say 5 miles or so. "Draw" lines straight out from either end of the tips of each runway for several miles. Avoid buying a house within a mile or so of each line. I am amazed at how many people buy h...
by tim1999
Tue Aug 15, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3974

Re: What kind of hotel do you get on business travel?

I usually stay at the IHG chain, meaning Holiday Inn/Holiday Inn Express/Crowne Plaza/Hotel Indigo/Candlewood. Seems most people I work with either stick with the IHG or Hilton chains exclusively, or stay at the place closest to the destination facility no matter what brand it is. We do have some pe...
by tim1999
Tue Aug 15, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 3119

Re: PSA - Mute button for Gas Station TV!

I get fewer disgusted looks from the opposite sex if I watch the TV rather than people-watch as I wait for my gas tank to fill up, so I don't mind the sound.
by tim1999
Sat Aug 12, 2017 5:33 am
Forum: Personal Consumer Issues
Topic: Computerized car maintainance records or service history?
Replies: 5
Views: 670

Re: Computerized car maintainance records or service history?

Our company fleet vehicles get their oil changed at the Valvoline chain quick oil change places and those records show up on Carfax. Also, in my area the records from some of the higher-volume independent shops show up on Carfax.
by tim1999
Tue Aug 08, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2967

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

Playing a multi-line slot machine for one penny and one line per bet has to rank up there with the most boring things to do in a casino, right behind sitting in your room and staring at the wall. I mean, even if you hit the biggest possible payout for that bet (many machines require playing max bet ...
by tim1999
Mon Jul 31, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 160
Views: 27585

Re: $13 Million Goal for Early Retirement (am I crazy?)

For someone in their mid 30s I think I've done pretty decently financially in life. I read threads on here with people my age posting numbers well above mine, but then get to the part where they are IT-type workers in California, and I breathe a sigh of relief because I work in an old economy indust...
by tim1999
Mon Jul 31, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 54
Views: 4415

Re: About to buy a rental car, any advice?

I've warmed up to the concept of buying a used rental car, especially since the rental fleets seem to have more variety these days, not just the base models of yesteryear. The only ones I would probably avoid are economy-type cars from Enterprise. They do a lot of insurance replacement rentals with ...
by tim1999
Sat Jul 29, 2017 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 4859

Re: Any pilots here? [as a career]

It will still be a long road to all of the required minimum hours, certificates, and type ratings, but perhaps a second career as a corporate/charter jet pilot could be an option. There have been (false?) cries about a pilot shortage for years. For awhile I think it was just because the regionals in...
by tim1999
Wed Jul 26, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 2757

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: 7800

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: 4224

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: 3016

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: 4166

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: 3016

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: 8107

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: 12615

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: 4850

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: 6266

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: 6266

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: 9032

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: 542

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: 5288

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: 2707

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: 2650

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: 10785

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: 3695

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: 588

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: 3213

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: 3849

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: 1215

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: 816

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: 1411

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: 1446

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: 8903

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: 3081

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: 5358

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: 3654

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: 7080

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: 6019

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...