Search found 979 matches

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: 36
Views: 2001

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: 51
Views: 2793

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: 1303

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: 71
Views: 7185

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: 71
Views: 7185

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: 71
Views: 7185

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: 71
Views: 7185

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: 71
Views: 7185

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: 526
Views: 57686

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: 2721

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: 800

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: 800

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: 800

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: 1969

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: 1969

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: 1711

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: 6365

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: 6365

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: 1969

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: 1969

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: 6365

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: 5225

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: 5537

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: 6365

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: 5537

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: 6365

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: 6365

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: 6365

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: 6365

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: 6365

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: 6365

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: 6365

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: 6365

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...
by bru
Tue Feb 16, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6365

Re: Contacted by three heir locators

I have no knowledge of this industry, but it seems clearly obvious why they exist. I would expect that since you were contacted by 3 that there's competition, and presumably some competency. My gut reaction would be to hire a local attorney since that seems somehow more controllable than a service,...
by bru
Tue Feb 16, 2016 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6365

Re: Contacted by three heir locators

As I explained above, if there is a legitimate estate and you are a legitimate beneficiary, contact the probate court. There most likely is an attorney for the estate or you can hire an attorney in that jurisdiction to represent you. You don't need to appear and you certainly don't need an heir fin...
by bru
Tue Feb 16, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6365

Re: Contacted by three heir locators

On the face of it, this sounds like a scam of some type. If they are only charging 15%, then I suspect that the estate is either incredibly large or somehow they'll come back wanting more money. Most attorneys that work lawsuits charge 50%, I wouldn't see why this is less complicated than a lawsuit...
by bru
Tue Feb 16, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6365

Contacted by three heir locators

Today I received calls from three so called heir locators. My first cousin on my mother's side died last December with no immediate heirs. He died in California and all his maternal relatives reside in Illinois. Apparently the cousins on the paternal side filed a Petition for Probate never naming an...
by bru
Mon Feb 15, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 319260

Re: What Movie Have You Recently Watched?

Bridge of Spies. Great Cold War era tale. Tom Hanks was brilliant as usual, too bad he didn't get nominated. That completes our viewing of all the Oscar contenders.
by bru
Mon Feb 08, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 32
Views: 4564

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

As you found in your search the 2nd generation CR-V (2002-2006) has a documented issue with its A/C. Many owners experienced the problem soon in to the vehicles life, others like you didn't have it happen until many years later. I'm pretty sure some people got Honda to pay for the repairs but at thi...
by bru
Sat Jan 30, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 1019

Re: How to move stocks to brokerage account

bru- Several years ago I just decided to sell the miscellaneous stocks I'd been holding for decades. It was a very small portion of our portfolio and it was kind of a hassle to wait for 1099's etc. I had never been a good record keeper and had always reinvested dividends. I decided to just check th...
by bru
Fri Jan 29, 2016 9:08 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 7935

Re: perfectly happy with cable

Warning, long post: With a recent rate increase we are paying $113 for the top TV package (>190 channels), 30Mbps internet and HBO (which contributes $19 to the cost). With that we get an HD DVR and an HD receiver for the second TV. I did get a one time $60 credit so that reduces the monthly cost to...
by bru
Sun Jan 24, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 1019

Re: How to move stocks to brokerage account

SpringMan wrote:In the old days there were stock certificates. Do you have stock certificates?

As posted these are stocks purchased direct from the companies. No physical certificates. All held by the agent. Most are via Computershare and Wells Fargo.
by bru
Sun Jan 24, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 1019

Re: How to move stocks to brokerage account

livesoft wrote:And by "custodian", I did not mean Vanguard.

I knew you meant the places where the stocks are held. I mentioned Vanguard since I hope they have some input on what to do.
by bru
Sat Jan 23, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 1019

Re: How to move stocks to brokerage account

Contact the current custodian and request that they transfer the shares "in-kind" to any of your other brokerage accounts along with all the transaction information. This is a so-called ACAT transfer and is done all the time. That will be a lot of phone time but I guess thats what needs t...
by bru
Fri Jan 22, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 1019

How to move stocks to brokerage account

I own several individual stocks through their direct purchase plans. Its a vestige of when I first started investing. In addition to putting money in to Vanguard I also bought individual stocks direct from many companies. For at least the past 15 years I've done nothing with them but have the divide...
by bru
Wed Jan 20, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: who is selling to day??
Replies: 34
Views: 4207

Re: who is selling to day??

Who is day? And what is he or she buying?
by bru
Wed Jan 13, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 429
Views: 172950

Re: TV show recommendations?

Wow, thought I was the only one who was watching Mr. Robot . In a big surprise, Mr. Robot took the Golden Globe for Best TV Drama Series and cast member Christian Slater also won for Best Supporting Actor in a TV series. In a similar vein Mozart in the Jungle and its lead actor Gael Garcia Bernal w...
by bru
Sat Jan 09, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Cash-on-the-sidelines thread
Replies: 39
Views: 4793

Re: Cash-on-the-sidelines thread

I have a large cash position. Too large to be considered just an emergency fund but because of my situation (disabled wife, minimal income) it makes me feel better. After the rough start to the year I figured the market was on sale so I put $5K in to TSM on Thursday. As a percentage of my cash posit...
by bru
Sat Jan 09, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card $50 statement credit .... FYI
Replies: 15
Views: 1883

Re: Credit Card $50 statement credit .... FYI

The way most Bogleheads use their CCs, I'm surprised they don't offer us a bonus if we cancel and agree to never come back. For example, I have one CC where I've gotten 5% cash back on every purchase, have never paid interest, and have never paid an annual fee. I would find it hard to believe I'm n...
by bru
Fri Jan 08, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund returns don't make sense
Replies: 19
Views: 1837

Re: Bond fund returns don't make sense

I know share price went down. I posted the share price on two different dates. Yet Vanguard says both of those funds have a positive return of ~2% per year for that exact time frame. So I have to assume share price went up enough in the interim periods to provide the return listed. Then add in the y...

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