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Re: IS this car lease too good to be true?

When you do a lease, you want to pay as little down as possible. Ask them for zero down and the money factor and you'll come back down to earth a little. Multiply the MF with 2400 to get the interest rate. Then ask for the monthly cost. I agree. The $112 monthly payment is indeed quite low, but you...
by deanbrew
Fri Oct 24, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: IS this car lease too good to be true?
Replies: 11
Views: 1100

Re: Home Depot Warranty not honored

I never buy extended warranties. Retailers often make more on the warranty than they do on the sale of the product. Over the long run you will save plenty of money buying products with a reputation for quality and self insuring the repairs if you cannot get it fixed under the mfg warranty that was ...
by deanbrew
Fri Oct 17, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Warranty not honored
Replies: 27
Views: 3270

Re: Home Depot Warranty not honored

I suggest going into the store where you bought it and get them to assist you. Involve the GM if needed. Try this. The retailer makes a lot of money on these warranties, and should be willing to help. Remember that the warranty does not come from HD, rather they sell a warranty provided by another ...
by deanbrew
Thu Oct 16, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Warranty not honored
Replies: 27
Views: 3270

Re: How to buy a used car

Carfax and similar can be helpful but I wouldn't solely rely on them as such reports don't always include everything. I will second this opinion. When looking for used cars two years ago, we came across one (online) that was about two years old and had a perfectly clean Carfax report. When we went ...
by deanbrew
Wed Oct 15, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a used car
Replies: 16
Views: 1644

Re: What happened to the audiophile?

I've had lasik. My eyes are 20/20. Then the obvious explanation is ruled out. Have to look for another explanation, I guess. :wink: I'm not trying to bust your chops, and go ahead and keep watching SD if you like. But HDTV is so superior, particularly for sports, and has gotten so reasonably-priced...
by deanbrew
Wed Oct 15, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3701

Re: What happened to the audiophile?

There are snobs for everything. There is nothing wrong with the sound of mp3s. The only people who think they sound "terrible" are the small few who work or dabble in sound design. ... I have never seen a blueray or HD movie -GASP- and only rent SD movie titles. Oh the humanity! And you k...
by deanbrew
Wed Oct 15, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3701

Re: Buy a new car, or fix the old one?

They may be incremental year to year, but I think its worth looking at a larger time frame like 10-15 years. I don't disagree, but my motivations to replace a 10-15 year old car involve comfort and convenience features , such as automatic HVAC, bluetooth for phone, bluetooth for music, heated/coole...
by deanbrew
Tue Oct 14, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2967

Re: Buy a new car, or fix the old one?

Is this really something to be concerned about (I'm asking non-sarcastically)? I've seen a few other posters with the same sentiment on other threads. I have a ten year old car with only 65k miles. While I have the money put aside to get a new(er) car, I really don't see the point. I've got ABS, st...
by deanbrew
Tue Oct 14, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2967

Re: Buy a new car, or fix the old one?

I echo the advise to get a second opinion. A $1200 repair to fix a steering problem seems excessive, but it depends on what needs done. If you don't have a trusted independent mechanic, ask your friends and co-workers for recommendations. As already posted, you don't have enough information to decid...
by deanbrew
Tue Oct 14, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 2967

Re: Help with finding real estate agent

I have identified three potential agents and have set up interviews. You're off to a great start. I've often advised friends to interview at least three agents when listing a property. All three should prepare a "market analysis", letting you know what they think your home is worth, how m...
by deanbrew
Mon Oct 13, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Help with finding real estate agent
Replies: 8
Views: 736

Re: How to buy a used car

Not much to add, other than the other big used car website (in addition to cars.com) is autotrader.com. Works pretty much like cars.com, but you'll find different listings. I have two large used car dealers near me that specialize in one to three year old cars with low mileage, and they sell a boatl...
by deanbrew
Mon Oct 13, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to buy a used car
Replies: 16
Views: 1644

Re: Computer codes availability at indep. repair garages?

They are padding the bill. Even if special equipment is needed, and even if it takes another minute. $18 is exorbitant. Add $1.00? Reasonable. Anything more than $2.00 strikes me as a rip-off. -------- Edit: $89 for an oil change? :shock: It can't be that high at the dealership, is it? My last oil c...
by deanbrew
Mon Oct 13, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Computer codes availability at indep. repair garages?
Replies: 42
Views: 1820

Re: Wine - how to keep it from not spoiling?

I don't know if these work or not, but they get good reviews on Amazon: http://www.amazon.com/gp/product/B001G7QUWI/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=B001G7QUWI&linkCode=as2&tag=morwincel-20&linkId=RCNL4P6VLMPHBKCK The idea is similar to Rumrunner flas...
by deanbrew
Fri Oct 10, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2882

Re: Wine - how to keep it from not spoiling?

Question: Since I drink one glass of red wine daily, a bottle of wine lasts me for a week. How can I keep it from not going bad? You get seven glasses of wine from a bottle? I've never heard of bottles that size. A standard serving is 5 ounces, and five servings equates to 740 milliliters, very clo...
by deanbrew
Fri Oct 10, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 2882

Re: Possible Uninsured Motorist accident - UPDATE

Glad you got a response. As for the parents not calling you back, perhaps they've taken the attitude that this is the daughter's situation to handle and they told her to take care of it. Which she seems to be doing by texting you the insurance information. I agree she should have called rather than ...
by deanbrew
Thu Oct 09, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3432

Re: sell this rental property?

The 15-year mortgage certainly impacts the cash flow. Even commercial properties are typically financed with 25 to 30 year amortizations. Not to say paying off the loan is a bad thing, but it increases the monthly outflow. In the end, the rent isn't high enough to justify a $200k+ price. As with man...
by deanbrew
Thu Oct 09, 2014 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: sell this rental property?
Replies: 8
Views: 926

Re: Possible Uninsured Motorist accident

If it was me I wouldn't drop my deductible down to $500 for this reason as well. At $125 per year in increased premiums that means you need to have a loss that hits the deductible less than every 4 years in order to make out ahead financially. To me having losses that often is unlikely and would al...
by deanbrew
Thu Oct 02, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3432

Re: Possible Uninsured Motorist accident

I also live in PA, and my wife was hit while sitting still at a stop sign two years ago. The other (at-fault) driver had insurance, but he only had the state minimum and didn't have enough to cover the major damage to my wife's car and another vehicle that was damaged. In our case, we received full ...
by deanbrew
Thu Oct 02, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3432

Re: Home affordability

You really are not "stretching" at all. A 20 percent PITI to gross income ratio is pretty low, and the payment is affordable given your income. One thing to consider is that your youngest child is 3 and will be heading off to school in another couple of years. Are you having more kids? Wil...
by deanbrew
Fri Sep 26, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home affordability
Replies: 25
Views: 2767

Re: Strange Billing Practice by Medical Provider

Who should get the "deductible" amount paid by the patient. I understand that the physician/provider should get the contractual "copay". He she should also receive the contracted insurance claim approved amount for the services. But - shouldn't the deductible amount be fairly al...
by deanbrew
Thu Sep 18, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2851

Re: The boglehead way to buy furniture

If you have the time, patience and inclination, go to estate sales and auction houses. You can buy quality furniture incredibly cheaply. Pennies on the dollar. But you have to be willing to spend a fair amount of time searching on auctionzip.com and similar websites to find stuff that interests you,...
by deanbrew
Tue Sep 16, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 5160

Re: Strange Billing Practice by Medical Provider

My kids used to see an allergy specialist who simply refused to deal with insurance. Everyone paid their full charge on a monthly basis and took care of their own insurance submissions. I would wait until the end of the year and send in all 12 months worth of receipts and then deal with my insurance...
by deanbrew
Tue Sep 16, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2851

Re: Anyone have a house with a pool?

But seriously, a neighbor of mine with young kids recently paid to have her pool filled in because the stress of worrying about her kids falling in it was killing her. Seems crazy to me. How about teaching the kids to swim? Seems more reasonable than filling in the pool. When my kids were teenagers...
by deanbrew
Thu Sep 11, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2452

Re: Anyone have a house with a pool?

I certainly wouldn't talk anyone into a pool, or out of one, for that matter. We have an inground pool because my wife loves it. I could do without. But I have to say it really isn't that expensive to maintain or operate. The best decision was changing from chlorine to a SWG (salt water generation) ...
by deanbrew
Thu Sep 11, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Anyone have a house with a pool?
Replies: 32
Views: 2452

Re: The Calculus of DIY

The outside door handle broke on my son's car. The stealer wanted $350 to fix it, which I found outrageous. Look on the internet, and the problem is that new handles do not come pre-painted. They only come in black, ready to be painted. But I can buy an OEM one for under $30 and online car forums sh...
by deanbrew
Wed Sep 10, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: The Calculus of DIY
Replies: 9
Views: 1196

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

I appreciate everyone's responses, and had no idea that this inherited IRA account couldn't stay on a "hold" pattern until my wife hits normal withdrawal age. Not at all intuitive, is it? I'm going to send copies of the first and last statements to my accountant and see what he has to say....
by deanbrew
Tue Sep 09, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 17
Views: 1037

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

an inherited IRA behaves differently from a personal IRA - Your wife likely should be taking RMD's based on her own life expectancy. Hopefully you have not co-mingled the funds with her own IRA. I'll have to ask our accountant and lawyer when I get a chance, but I'm pretty sure they would have told...
by deanbrew
Tue Sep 09, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 17
Views: 1037

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

pshonore wrote:
Aren't inherited IRAs subject to RMDs??[/quote]


I'm not exactly sure what you are asking. My wife will have to start taking required withdrawals once she hits 70.5 years old, just like with her other retirement accounts. Am I misunderstanding your question/concern?
by deanbrew
Tue Sep 09, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 17
Views: 1037

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

My wife and I have both received inheritances in the past. In both cases, all assets (properties, stocks, etc.) were liquidated and all taxes were handled by the deceased estate attorney before any proceeds were disbursed. We didn't have to pay any taxes, as they were taken care of before disburseme...
by deanbrew
Tue Sep 09, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 17
Views: 1037

Re: contingent beneficiary for life insurance

My wife and I both have the beneficiary named as "estate of the insured" on our policies. If one of us dies, the estate (all assets) automatically goes to the other. If both of us die at the same time, "the estate" is handled according to our will. This was devised by our lawyer ...
by deanbrew
Tue Sep 09, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: contingent beneficiary for life insurance
Replies: 9
Views: 741

Re: Kitchen "Backsplash" question

We have put laminate on our backsplashes in our most recent two houses. It holds up great and is very easy to clean. You can buy laminate in many colors and designs. We have a copper-color one with a subtle pattern. Not as cheap as paint, but less expensive and easier to care for than tile.
by deanbrew
Thu Sep 04, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Kitchen "Backsplash" question
Replies: 14
Views: 1959

Re: How long can a 1995 Chevrolet Beretta last?

Longer than I would want to drive it.
by deanbrew
Fri Aug 29, 2014 8:02 am
 
Forum: Personal Consumer Issues
Topic: How long can a 1995 Chevrolet Beretta last?
Replies: 10
Views: 836

Re: Gas station etiquette

Wow! We have unanimity after 19 posts. Amazing. I won't upset the apple cart. The OP was entirely in the right to take an open position. So long as he didn't whip the car into the spot in front of someone else approaching, then no harm / no foul. I have had drivers give me dirty looks because my car...
by deanbrew
Thu Aug 28, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 3059

Re: Establishing "Small Business" and Cheating IRS?

Has this acquaintance ever turned into a friend? If not, retain counsel. Then visit: http://www.irs.gov/uac/Whistleblower-Informant-Award "If the IRS uses information provided by the whistleblower, it can award the whistleblower up to 30 percent of the additional tax, penalty and other amounts...
by deanbrew
Wed Aug 27, 2014 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing "Small Business" and Cheating IRS?
Replies: 11
Views: 1156

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

Anyone know of dealers that let you take the car to the freeway? Many thanks. I would think just about every dealer would allow you to try it on the highway (as long as it wasn't 30 miles away). Nope. The Toyota dealers around (with dealerships right next to the freeway) have specific inside-the-ci...
by deanbrew
Wed Aug 27, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 54
Views: 5338

Re: Subaru Blues

I can't read her mind, but I'm thinking that she has basically lost confidence in the brand at this point and is worried about more problems and more repairs down the road with her present vehicle, as this seemed to be her experience with her previous Outback. Why it took getting to this point, rat...
by deanbrew
Tue Aug 26, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8211

Re: Subaru Blues

So, the car had a computer problem and Subaru will cover it under warranty at no cost to the owner. Bastards!! How dare they? Should I add :wink: ? It is clear that the neighbor doesn't like the vehicle and wants an excuse to get rid of it, likely at significant cost. It always costs money to sell a...
by deanbrew
Tue Aug 26, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8211

Re: Is it me, or are "collectibles" worthless in 2014?

My wife's dad and mom attended auctions and bought a lot of stuff from the mid-70s until about 2000. Everything from antiques to china/glassware to woodworking items to collectibles. My FIL passed away in 2002 and all of it was appraised to settle the estate. I have no doubt that the appraiser "...
by deanbrew
Mon Aug 25, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6520

Re: Subaru Blues

The subaru engine is notorious for oil leaks. Your use of "is" should probably be changed to "was". There is a growing consensus that Subaru has figured out the oil leak/consumption problem starting with the 2010 engine redesign. Possibly too early to tell, but owners of newer v...
by deanbrew
Thu Aug 21, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8211

Re: Subaru Blues

Reviews are one thing, but personal experience tends to weigh heavily even if it is a sample size of 1. Unfortunately, my personal experience so far is the two-strike outcome for this acquaintance with Subarus and I don't think reading a bunch of reviews will easily trump that in my mind. If I knew...
by deanbrew
Thu Aug 21, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8211

Re: Subaru Blues

May I know what Subaru model that you own ? 2011 Subaru Legacy Limited with 4-cylinder engine and CVT transmission. Mine is a fifth generation Legacy (built from 2010-2014). Although some people complain about the CVT, I like it. It allows engine revs to drop way down during highway cruising, impro...
by deanbrew
Thu Aug 21, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8211

Re: Subaru Blues

If I choose a Toyota or Honda I'm afraid I will be forever dissatisfied. Care to explain? This comment seems out in left field. Honda and Toyota are viewed by most as the overall most reliable vehicles you can buy. K.I.S. I'll let optimpessim explain for himself, but I've never really liked any Toy...
by deanbrew
Thu Aug 21, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8211

Re: Subaru Blues

I am looking to buy a new car as well and read that Subaru's in general are reliable but one thing that concerned me was reviews which said that they have lot of road noise and a harsh ride. I am planning to use that as a commuter car so a comfortable ride and quite cabin are important to me. Any f...
by deanbrew
Thu Aug 21, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8211

Re: Subaru Blues

It's now on my "Do Not Buy" list after hearing this narrative. I would say that every single brand and every single model should be on your list, then. Any car can have a problem or breakdown. FWIW, I have a 2011 Subaru Legacy and have had zero problems over 3.5 years and 39k miles. Consi...
by deanbrew
Thu Aug 21, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8211

Re: Simplisafe Home Security Systems

I agree, as long as the burglar is not familiar with SimpliSafe and/or that you have a SimpliSafe system. I also agree that there are worse architectures than the one they use, but my preference would be that the monitoring station be alerted as soon as the alarm is tripped, and then acts upon it i...
by deanbrew
Tue Aug 19, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 2926

Re: Wash D.C. speed camera - how accurate?

As mentioned, camera tickets are not moving violations and do not result in points on your license. That's a huge factor when deciding whether to fight a ticket. For this reason, I can't imagine it will be worthwhile to fight, though I certainly wish you luck and would love to see you hammer to spee...
by deanbrew
Tue Aug 19, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 40
Views: 2502

Re: Simplisafe Home Security Systems

Glad to see this thread. I've been researching alarm systems and have pretty much decided on the Simplisafe one. Glad to see the positive accounts, and I believe I've made the right decision. Sachman - if you can wait, you may want to hold out for deals around Black Friday on their kit I'm not sure ...
by deanbrew
Tue Aug 19, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 2926

Re: Minivan time! Opinions on 2013 Town & Country, Please

We bought a 2004 Chrysler T&C for $9000 with 45k miles in 2008. Today, it has 168k miles. We did not get a warranty and have had no major issues with it. When we were buying we considered the Sienna and Odyssey and both were nearly double the price of the caravans and T&C's. Since you were ...
by deanbrew
Fri Aug 15, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 2084

Re: Minivan time! Opinions on 2013 Town & Country, Please

I didn't register that you were looking at used vehicles. It should have, since you indicated a 2013 model. Any new vehicles would almost certainly be either 2014 or 2015 versions. Since you are looking at used, I suspect the best value would be a Dodge or Chrysler. I've never found much value in b...
by deanbrew
Tue Aug 12, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 2084

Re: Sandals or similar?

If I wanted an upscale AI in Negril Jamaica I would do Couples Swept Away. Love their stretch of beach. My wife and I stayed at Couples Swept Away last year and had a wonderful time. The food and service were definitely a couple of steps up from past stays at Beaches and Riu resorts we've visited. ...
by deanbrew
Tue Aug 12, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Sandals or similar [vacation resort]?
Replies: 15
Views: 1435
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