Search found 996 matches

by bru
Thu Aug 18, 2016 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Little-used second home: sell at a loss or rent?
Replies: 26
Views: 1949

Re: Little-used second home: sell at a loss or rent?

Maybe I'd have an interest if its in the area I have been looking for a vacation home. Hello bru, Do you have any interest in the North Carolina Blue Ridge Mountains? I find myself in this exact situation and have decided to sell. The property is currently listed with a Realtor for $109K. It's a 2 ...
by bru
Thu Aug 18, 2016 10:38 am
Forum: Investing - Theory, News & General
Topic: Dividends, and the curse of popularity
Replies: 91
Views: 6135

Re: Dividends, and the curse of popularity

Many years ago I acquired individual stocks, mostly through direct purchase plans. Though I didn't purchase them specifically for it they all pay dividends. For most I have automatic reinvestment of dividends. Based on my cost basis some of the yields are quite high. There is a downside. My latest S...
by bru
Thu Aug 18, 2016 10:28 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20020

Re: Is there a such thing as a blue collar Boglehead?

Why limit it to blue collar? What about underemployed or unemployed Bogleheads? While most did not start out that way I have to think many now fall in to those categories. It is a young person's world.
by bru
Thu Aug 18, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Little-used second home: sell at a loss or rent?
Replies: 26
Views: 1949

Re: Little-used second home: sell at a loss or rent?

ensign wrote:Thanks to all for the thoughtful replies. VERY much appreciated.

I guess you aren't interested.

bru wrote:Where in general is it located? Maybe I'd have an interest if its in the area I have been looking for a vacation home.
by bru
Wed Aug 17, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 7718

Re: Anyone have A/C fail on an older Honda CRV?

Based on all of the problems described above and documented on the internet, what do you would if you currently have a 9 year old, 90,000 mile CR-V with no problems including the A/C? Is the probability of A/C failure in the next 5 years < 20%, 20-80%, > 80%? Assuming the A/C repair is between $700...
by bru
Wed Aug 17, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Little-used second home: sell at a loss or rent?
Replies: 26
Views: 1949

Re: Little-used second home: sell at a loss or rent?

Would anyone rent it for a month at a time? Or were you just using that as an example? Where in general is it located? Maybe I'd have an interest if its in the area I have been looking for a vacation home.
by bru
Mon Aug 15, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: You have $10 Million and 10 years to live. What would you do?
Replies: 55
Views: 4891

Re: You have $10 Million and 10 years to live. What would you do?

Similar to what many have said:

Provide for my family including purchasing a couple of primary residences and a vacation home.
Travel.
Experience as many of the things I have always dreamed about as possible. Too numerous to list them all.
by bru
Sat Aug 13, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6604

Re: Should I flip my neighbor's house to save the neighborhood?

As for "choosing" your new neighbors, someone already mentioned discrimination laws so why even go down that route? You know the old saying, you can choose your friends, but you can't choose your neighbors. Well, you can choose your neighbors to avoid noisy louts. That's what I said, not ...
by bru
Sat Aug 13, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 118
Views: 9861

Re: Best Crossover SUV to purchase

All the misspellings of CR-V, even when the OP got it right. And by people who claim they own the vehicle. And what about the guy who said "This is the 6 cylinder CRV you should use for comparison." ? smh
by bru
Mon Aug 01, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 2026

Re: Microsoft is still offering free Windows 10 upgrades

Windows 10 is fine. Its not earthshakingly different than any of their previous OSs. It's still Windows. You can tweak it to make it look and act like any of the previous versions. It's easy enough to shut off the so-called spying aspects if that's a concern. To keep using an old OS when a new one i...
by bru
Mon Aug 01, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6604

Re: Should I flip my neighbor's house to save the neighborhood?

I've had vacant properties next to and behind my house a few times over the years and it never bothered me. Made it nice and quiet until someone bought the house, which I'm sure will happen in your case. All houses eventually sell. If the new owner doesn't live up to your expectations get your city ...
by bru
Fri Jun 03, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25022

Re: Experience with Honda airbag recall?

Got both airbags replaced today. It's an older Honda so they had the parts. Though after reading another posters experience perhaps they just put in new but still potentially defective airbags thinking my vehicle will be out of commission before they self destruct or whatever they do. That's probabl...
by bru
Wed Jun 01, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 6756

Re: How to stop MS loading Windows 10?

On two Win 7 and one Win 8.1 computers I paid attention to offered updates (have WU set to let me choose) and did not install those related to Win 10. If I wasn't sure, a few forums (http://www.sevenforums, http://www.eightforums) and Googling helped me figure out which ones to not install. Never be...
by bru
Tue May 31, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25022

Re: Experience with Honda airbag recall?

Your dealer and my dealer differ on the explanations as to why the parts were available. My dealer told me that in older vehicles Honda decided to replace the airbag with the exact same defective model, because the vehicle would be past it's useful life before the condensation built up in the airba...
by bru
Fri May 13, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25022

Re: Experience with Honda airbag recall?

"Honda Motor Co. is reporting a 93.4 billion yen ($860 million) loss for January-March, as the Japanese automaker is hit by costs for a massive air-bag recall and an unfavorable shift in exchange rates." "So far, Honda has recalled 51 million Takata air-bag inflators. Some vehicles ar...
by bru
Thu May 05, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 91
Views: 7737

Re: Fidelity or Vanguard

I received a complete review of all of my assets by Vanguard a few years ago. No pressure was put on me to put more of my assets into Vanguard. The same cannot be said for Fidelity. I assume you requested the review from Vanguard. I've been with Fidelity for 20+ years and IIRC one time someone cont...
by bru
Wed May 04, 2016 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 91
Views: 7737

Re: Fidelity or Vanguard

I use both. About 65% of my assets are with Vanguard, 35% with Fidelity. Both have plenty of index funds available. Old 401(k) and inherited IRA were with Fidelity so I just left them there (rolled over the 401(k)). I started to move some of it to Vanguard but got lazy. I also have a few stocks at F...
by bru
Wed Apr 27, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Buy used or new? Which of these small SUVs are best for families?
Replies: 39
Views: 3245

Re: Buy used or new? Which of these small SUVs are best for families?

Consider a Kia or Hyundai. Sportage/Sorrento, Tuscon/Santa Fe. They are what Honda was 30 years ago. Resale won't nearly be as good but if 1) you keep the vehicle forever (10 year warranty makes it that much easier) it really won't matter, 2) If you buy used you can get a good deal.
by bru
Tue Apr 26, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 3748

Re: Honda Accord or Subaru Legacy

If you are considering a used car, consider a Hyundai. I have rented several times while on trips and been impressed. they have a long warranty period and on the used car market they are less expensive than Honda because the buying public has not caught up to the fact that they are good cars. When ...
by bru
Tue Apr 26, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Moths. not burglars, activate lights
Replies: 18
Views: 1532

Re: Moths. not burglars, activate lights

At least you care enough to figure out a way to not have them going off and on all night. So many people are either too stupid or too inconsiderate to care. I moved to the suburbs to escape the city and enjoy some tranquility but instead my house is lit up like a christmas tree from all my neighbors...
by bru
Fri Apr 22, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25022

Re: Experience with Honda airbag recall?

As far as the example: I can see a teen ager at the service desk of a Honda dealer: "Hi, I'm Bob. I heard you are handing out free rental cars. I am 18 years old. No, I am not the legal owner of a Honda. You won't give me one? That isn't fair! I am contacting the local newspaper." What ou...
by bru
Thu Apr 21, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25022

Re: Experience with Honda airbag recall?

I doubt they are referring to Honda. I know of quite a few who have taken rentals and don't know of anyone who has requested one and been turned down. All you have to do is ask. Honda has changed its policy so the rentals can go to young Honda owners under 25, and no one asked for any proof of insu...
by bru
Thu Apr 21, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25022

Re: Experience with Honda airbag recall?

double post
by bru
Thu Apr 21, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25022

Re: Experience with Honda airbag recall?

Article in Tribune newspapers today authored by Ronald D. White titled: "Rentals add to driver air bag woes Getting a loaner while awaiting repairs isn't easy" I'm having trouble with a link but here's an excerpt: "The Takata Corp. air bag recall has become so massive that vehicle own...
by bru
Wed Mar 30, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 25022

Re: Experience with Honda airbag recall?

Honestly, I'm debating whether to even get my Honda fixed. I'm with you but not for the exact same reasons. I already had recall work related to the driver's side airbag done years ago on my Honda. They've been sending me letters for a while for more recalls. Pretty sure its for both driver's and p...
by bru
Mon Feb 29, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 63812

Re: Free Windows 10 Upgrade, Yes or No?

I just got a new computer with Windows 10. The way I use my computers its really not that different from Win 7 or Win 8.1 It is still a Windows OS after all. I have three older computers (2xWin7, 1xWin8.1), now that I've had some time with Win 10 I think I will for sure upgrade the 8.1. The other tw...
by bru
Sun Feb 28, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: FatWallet Cash Back Check Bounced
Replies: 14
Views: 2889

Re: FatWallet Cash Back Check Bounced

How much cashback are you getting from them? I gave up on that site since they copy everything from SlickDeals. If the cashback is that important there are other cashback sites you can use in place of FW.

As for your returned check perhaps your bank will waive the fee. Give them a call.
by bru
Sat Feb 27, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does my child need to file a tax return?
Replies: 7
Views: 868

Re: Does my child need to file a tax return?

You are interpreting this completely correctly, based on the facts stated. We see many families with young children in circumstances similar to your son's at our VITA site and we tell them that their children do not have a filing requirement. The IRS really does not want to process a lot of pointle...
by bru
Sat Feb 27, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Does my child need to file a tax return?
Replies: 7
Views: 868

Re: Does my child need to file a tax return?

Based on my interpretation of the applicable parts of p4012 I am going to say I do not need to file a return for my son. I am basing it on "Chart B - For Children and Other Dependents" on page A-2, which states: If your parent (or someone else) can claim you as a dependent, use this chart ...
by bru
Sat Feb 27, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does my child need to file a tax return?
Replies: 7
Views: 868

Does my child need to file a tax return?

My 8 yo receives SS benefits. I am unclear of how or even if I need to file a tax return for him. Here are some things on the subject I found while searching. The highlights: "Generally, a child won’t collect enough Social Security benefits to file, but if one-half his benefits, plus any additi...
by bru
Thu Feb 25, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own KHC (Kraft Heinz) stock?
Replies: 10
Views: 2214

Re: Anyone own KHC (Kraft Heinz) stock?

You can deduct their merger processing fee from the proceeds. Adjust the line item on your 8949 accordingly. My 1099-B is viewable online, still waiting for paper copy. Making up the numbers for example purposes: 1099-B lists two amounts for Box 1d for the date of sale 7/8/2015, Quantity Sold = 10 ...
by bru
Sun Feb 21, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Anyone own KHC (Kraft Heinz) stock?
Replies: 10
Views: 2214

Re: Anyone own KHC (Kraft Heinz) stock?

So some brokerages have issued the 1099-B but Wells Fargo who administers for the direct shareholders hasn't. Doesn't make sense to me.
by bru
Fri Feb 19, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: State Farm Water Damage Claim
Replies: 15
Views: 1855

Re: State Farm Water Damage Claim

As the other poster said when I had a pinhole leak State Farm would only cover the damage done and mine was fairly minimal. So it wasn't worth it for me with my deductible. At least that's my memory of it. For me it was the plumbers' bill that was the major expense.
by bru
Fri Feb 19, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Yes it will cost you money. But using the heir locator is going to cost you money also. You have to make a guess what is cheaper. If you expect your share is 1 million bucks (maybe if you and your whole side could use the same lawyer), I would be comfortable saying your own lawyer is going to be ch...
by bru
Fri Feb 19, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Still hoping one of the people who felt this would be fairly easy to handle myself will chime in with what I should do now that I have spoken to a less than helpful probate clerk who wasn't able to provide "simple" instructions as so many thought would happen. She did provide the info. Yo...
by bru
Fri Feb 19, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone own KHC (Kraft Heinz) stock?
Replies: 10
Views: 2214

Re: Anyone own KHC (Kraft Heinz) stock?

I am in the same situation with my brokerage (not Wells Fargo). Tis unfortunate that in this day and age, it takes so long for companies to inform shareholders as to the tax consequences and issue the 1099. The only solution is for Congress and the IRS to absolutely mandate that this task be comple...
by bru
Fri Feb 19, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Anyone own KHC (Kraft Heinz) stock?
Replies: 10
Views: 2214

Anyone own KHC (Kraft Heinz) stock?

Kraft Heinz Company was formed by the merger of Kraft Foods Group and Heinz Company. In July of 2015 they issued a special dividend related to the merger. My shares, both in the old company and the new one, are held directly with Wells Fargo, the transfer agent. They have not issued a 1099-B related...
by bru
Fri Feb 19, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Now that you and your other maternal relatives know that a cousin died without heirs, why don't you all contact the paternal relatives, who may or may not have been too lazy to contact/find you. Ask them what's happening and what the plan is going forward. At this point I think you just need more i...
by bru
Thu Feb 18, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: Leave Thermostat Alone or Adjust It?
Replies: 81
Views: 5760

Re: Leave Thermostat Alone or Adjust It?

Surprised to hear so many Bogleheads keeping their thermostats set so high. We keep ours at 60 all the time. Heat rises so the upstairs is a few degrees warmer, almost too warm for our liking. We all wear a sweater or sweatshirt and are more than comfortable. Its summer when we are uncomfortable. It...
by bru
Thu Feb 18, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Discover Bank Not Paying Promised Bonus
Replies: 49
Views: 5927

Re: Discover Bank Not Paying Promised Bonus

Yes, really. The term mountain out of a mole hill comes to mind. As myself and several others posted they sometimes are late in giving their promotion. An email or call gets it resolved. If the OP is being told he didn't satisfy the promotion and therefore he won't get it that is a different story....
by bru
Thu Feb 18, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Talk to the court and find out what they will require from you. This should help you decide. No one here really knows. Easier said than done. Called today and they couldn't even find a case. I was able to track down the case number myself on their website by checking the court calendar so I called ...
by bru
Thu Feb 18, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Discover Bank Not Paying Promised Bonus
Replies: 49
Views: 5927

Re: Discover Bank Not Paying Promised Bonus

People suggesting going to your state's Attorney Generals office, really? I did this promo, albeit with only a $5000 deposit, last year and when I didn't get the bonus in the promised time I contacted them. They told me, probably like they told you, that their marketing group has to review it and it...
by bru
Thu Feb 18, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Your faith in these companies is touching. Myself, I would make a phone call to the probate clerk, then float a stamp and a letter to the probate court and let the court take care of it. I might go so far as to include appropriate birth certificates, if the probate clerk thinks that is necessary. I...
by bru
Wed Feb 17, 2016 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

County of Los Angeles which is where we would start charges for a probate search. Only a buck but still never heard of that before. My broke as blank county does it for free. When one cousin who is a lawyer and another who is a high powered CPA want to use one of the companies I'm not sure what to m...
by bru
Wed Feb 17, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Which? You can't file a petition to probate a Will if he didn't have a Will. If he had a Will, then (unless someone successfully contests the Will), his estate will go as set forth in his Will. If he didn't have a Will, then his estate will go in accordance with state law. In California, as in most...
by bru
Wed Feb 17, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Okay, sorry if I came off as rude, my final suggestion is review and contract and see what it actually says. They want you to sign something right? Tell them you'll read the contract and get back to them. See if the contract says they'll pay for attorney fees. This is very fascinating. It sounds to...
by bru
Wed Feb 17, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

What doesn't make sense? These companies have all been in this business for 80 years or more, they know what to do. You've obviously made up your mind to hire them, but you came here not even sure if they are a law firm (sounds like they are, but you still don't seem to know for sure what they are)...
by bru
Wed Feb 17, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Supposedly the companies who take this on provide any legal services without additional expense. Of course the estate would be reduced by any legal fees needed from that end. Only attorneys can provide legal services, it's illegal for non attorneys to practice legal services. Is this "company&...
by bru
Wed Feb 17, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

Signing with a company does not magically stop lawyers from getting involved. If someone wants to litigate, someone will litigate and you'll be paying the 15% fee plus hiring an attorney. It sounds to me like you need a limited consultation with an attorney to decide what your next step should be. ...
by bru
Wed Feb 17, 2016 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6922

Re: Contacted by three heir locators

I used the term "heir locator" but they all seem to have "research" in their name, as in probate research. Pretty sure they scour public records and if they see something worthwhile they act. In our case they saw a filing by the paternal side which as I understand it said there w...

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