Search found 3480 matches

by tim1999
Thu Sep 06, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Rent Increase or Not?
Replies: 25
Views: 2630

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: 4838

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: 6602

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: 1343

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: 1502

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: 1502

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: 2501

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: 6632

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: 1845

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: 1845

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: 1591

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: 1369

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: 6632

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: 2653

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: 3230

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: 1576

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: 2405

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: 1213

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: 1370

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: 15204

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: 8939

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: 6242

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: 6242

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.
by tim1999
Tue Aug 14, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2882

Re: 33 Male, how am I doing?

How much is your rent per month?
by tim1999
Sat Aug 11, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 3087

Re: Used Car Negotiation

Have the major dealers really stopped negotiating on the price of used cars. I have been back and forth with so many dealerships and they don't even budge. Is this the norm with the efficiency of internet pricing? My most recent experience with some 2-3 year old certified pre-owned cars has been th...
by tim1999
Sat Aug 11, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 2258

Re: Sucking up to make more money?

I've noticed in my company that people with positive attitudes get promoted and those with negative attitudes don't. Being positive doesn't necessarily mean "sucking up."
by tim1999
Sat Aug 11, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9649

Re: Biggest Threats to Financial Well-Being

Drug, alcohol, gambling, shopping addiction. The person afflicted often doesn't realize what's going on or can't stop until everything is gone.
by tim1999
Sat Aug 11, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6925

Re: Paper checks yes or no?

I probably only write about 1/4 of the number of checks I used to just a few years ago. There are still some expenses that I cannot pay or am uncomfortable paying online. I feel I have done my community service for the year by finally convincing my mother to stop writing checks at the grocery store ...
by tim1999
Thu Aug 09, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3431

Re: 1024.99 for a book. Why?

I have a 25 year old book that is somewhat rare in that it was only distributed to people of a certain organization, and some see it as a collector's item. There are some on Amazon and Ebay for $300-$400 each. I've had mine listed for 6 months for $40 and no takers. Other than some kind of scam, I c...
by tim1999
Tue Aug 07, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: 2016 Volvo XC90
Replies: 17
Views: 1689

Re: 2016 Volvo XC90

I would want to know the real reason why it basically sat from two model years and only accumulated 500 miles. Very odd for a car this common to sit on a lot for that long unless something else is going on like lemon law buyback, etc.
by tim1999
Tue Aug 07, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4236

Re: radon mitigation exposure concern, are we at risk?

Don’t stick your face in the opening of the neighbor’s pipe for extended periods of time and you will be fine.
by tim1999
Fri Aug 03, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: First Home, quadplex???
Replies: 15
Views: 1556

Re: First Home, quadplex???

I did this on a lower-end property; lived in one unit and rented the others. Living on site did nothing to deter the tenants from acting like idiots and beating up the building, nor did it do anything towards getting them to pay on time consistently. The tenants did not contact me any more frequentl...
by tim1999
Fri Aug 03, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Making a mistake considering a new job?
Replies: 31
Views: 2273

Re: Making a mistake considering a new job?

Congratulations on being in the great position you are in. Personally if I were you I'd stick with the job you are in now, due to the excellent work-life balance. But perhaps that desire for work-life balance is why I am your age but in a different universe of net worth and income below yours.
by tim1999
Thu Aug 02, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5063

Re: Which diet soda pop do you enjoy?

Vanilla Coke Zero, Diet Dr. Pepper

All Pepsi products taste flat/flavorless to me.
by tim1999
Thu Aug 02, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3832

Re: New job commute

Long commutes for more money instead of a pay cut and less commute are even less desireable once you realize how much of the higher pay difference is just going out the window due to taxes at marginal rates.
by tim1999
Tue Jul 31, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 6165

Re: Financial upside / downside of marriage vs cohabiting

As much as I detest the entire concept of alimony, I will admit that so long as the spouse works and earns an income in the ballpark of your own, your risk of being stuck paying alimony is relatively low. However, if the spouse earns a low wage and you are a high paid professional, or even worse, yo...
by tim1999
Fri Jul 27, 2018 12:02 am
Forum: Investing - Help with Personal Investments
Topic: 401k loan for car payoff - bond allocation used
Replies: 13
Views: 1202

Re: 401k loan for car payoff - bond allocation used

When I took a 401k loan from Fidelity, they took it proportionally out of all funds I had invested in. I could not specify to have it all taken out of the bond fund, for example. OP's plan may have a similar rule. In other words, if your account was 70 percent in Fund A and 30 percent in Fund B, and...
by tim1999
Thu Jul 26, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Needed appraisal of farm land?
Replies: 18
Views: 1217

Re: Needed appraisal of farm land?

Why a waste of money at this point? I may sell it at some point. Yes, that not for sure. I could die first or give it away. Do you think appraisals will be cheaper some day? What it's worth now and what it's worth when you go to sell it years from now could be two very different numbers. Why would ...
by tim1999
Thu Jul 26, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Buying a used car..how many owners is too many owners?
Replies: 14
Views: 1557

Re: Buying a used car..how many owners is too many owners?

If you want an accurate best-guess analysis, cut and paste the contents of the Carfax report here.
by tim1999
Thu Jul 26, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Needed appraisal of farm land?
Replies: 18
Views: 1217

Re: Needed appraisal of farm land?

Waste of money at this point in time based on the situation posted.
by tim1999
Mon Jul 23, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with a Developer
Replies: 48
Views: 3854

Re: Investing with a Developer

There were several of these schemes in my area circa 2005-2007 right before the housing market blew up. The developer was typically a small time builder who was too overleveraged trying to take advantage of the boom and had too crummy credit to get financing from a bank. Basically the bag holders (a...
by tim1999
Mon Jul 23, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone sell their car to Carmax or webuyanycar.com?
Replies: 34
Views: 4024

Re: Anyone sell their car to Carmax or webuyanycar.com?

I sold a newer car with low miles and exceptional condition to Carmax…it was something they wanted for their lot and not to send to auction. The price they offered me was more than what the dealers of that brand offered me to buy it. From the time I pulled into the Carmax lot to the time I left with...
by tim1999
Sun Jul 22, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3852

Re: Guilt at buying nice things for myself

All I can say is that if you are able to save around 30% of your income and still be able to spend money on things you enjoy, you have the ability to live a very balanced financial life and are in a great spot. Who cares what other people think about it?
by tim1999
Sat Jul 21, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 4264

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

I have found amazing quality and value from stores that sell unfinished Amish-made furniture. Many of these stores will either offer finishing services from a third party, or many of the manufacturers will offer a small variety of factory finishes. I paid around $5,000 for a bunch of furniture that ...
by tim1999
Sat Jul 21, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Unpermitted structure - options?
Replies: 27
Views: 2759

Re: Unpermitted structure - options?

"checking with your building inspector" will force him to deal with this. Exactly, I would not bring it to their attention unless you are prepared to possibly have to pay to have it dismantled and disposed of if things do not go your way with the city. I am not familiar with CA but I would possibly...
by tim1999
Sat Jul 21, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: do i need a lawyer when applying for a HELOC?
Replies: 12
Views: 1240

Re: do i need a lawyer when applying for a HELOC?

Even if you used an attorney, which I doubt hardly anyone does unless we are talking about a commercial credit line in the seven figure range, I think the chances of getting the bank to change something in their loan document boilerplate is pretty much zero. The bigger the bank the more likely the z...
by tim1999
Tue Jul 17, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 4082

Re: 35 minute connection for flight, long enough?

The flight itinerary says 35 minute connection, what does that mean? The inbound flight to Denver says gets there at 11:54, the outbound flight says 12:30, does that mean boarding or leaving time?? 12:30pm would be the departure time, assuming it's running on time, and they will probably close the ...
by tim1999
Mon Jul 16, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Shoe shine, airport?
Replies: 8
Views: 1434

Re: Shoe shine, airport?

My local casino had a guy with a shoe shine booth for a few years, for $4+tip he would do the most thorough, brilliant, long-lasting shine job I've ever seen. I'd often stop in just to have him shine mine even if I wasn't going to gamble or eat. Then they did away with the shine booth for reasons un...
by tim1999
Sun Jul 15, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Am I dreaming or is there a possibility: Retire at 45?
Replies: 7
Views: 1741

Re: Am I dreaming or is there a possibility: Retire at 45?

What are you going to do with your time? Do you have hobbies that you are interested in pursuing further? If so, do they cost money? I would not want to retire at 45 only to have to sit watching TV/playing video games or just go for walks in the park because I could not afford to do anything more.
by tim1999
Fri Jul 13, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 6174

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

When I was a landlord, the most difficult part of the business was getting tenants to pay on time every month. Assuming subletting is prohibited by the lease terms, I would tell the tenant that I am aware of the violation but will do nothing about it so long as they continue to pay on time every mon...