Search found 2852 matches

by denovo
Sun Jan 22, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance questions and help
Replies: 10
Views: 620

Re: Umbrella insurance questions and help

Your primary concern should be liability in regards to your professional activities. Umbrella policies exclude liability from actions taken at work, i.e. performing heart surgery. Medical malpractice insurance is what you should be worried about it, although I guess your hospital covers you while yo...
by denovo
Sat Jan 21, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 13
Views: 1859

Re: Instant Pot - your favorite uses?

Oh, the thread is about coffee?
by denovo
Thu Jan 19, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: should I scrap my car after this accident
Replies: 23
Views: 1269

Re: should I scrap my car after this accident

Damage: https://drive.google.com/file/d/0B1Igp8VelsI7YUI2N1NhbU9BOFU/view?usp=sharing Thanks for the comments. ETA The price we would get for the car is $7500. I believe that the adjuster is saying that it would cost us $13k to buy a similar car to replace the Volvo. Someone rearended you, huh? Mak...
by denovo
Wed Jan 18, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Has anyone ever asked for a refund of their Costco membership fee?
Replies: 19
Views: 1213

Re: Has anyone ever asked for a refund of their Costco membership fee?

I can see the potential for scamming Costco if this is really true. I probably have no use for a Costco membership and might like to get my money back -- maybe after 364 days . :mrgreen: So at least be a bit more honest and admit you're trying to scam Costco by using the service for 99 percent of t...
by denovo
Wed Jan 18, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Not bad for a community organizer
Replies: 8
Views: 1023

Re: Not bad for a community organizer

In before the lock.
by denovo
Sun Jan 15, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 53617

Re: What are Costco's best deals?

I use GasBuddy to check prices, and Costco is about 25-30 cents cheaper than what gas stations offer with a "cash price" and consider you get another 4 percent when you use Citi. That's their best deal by far.
by denovo
Sun Jan 15, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 53617

Re: What are Costco's best deals?

Low cost good gas with 2% or so rebate is good for gas. if you also have that Citi Costco Card, you're getting 4 percent off the price of gas. https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-credit-card Edited to add: I thought it would be 6 percent, b...
by denovo
Sat Jan 14, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 7874

Re: Fidelity Rewards Visa 2% cash back

I'd recommend the Citi Double Cash over the Fidelity Visa. Citi has much better ancillary benefits vs the Fidelity Visa... to name a few: Purchase protection: $1000 per item on Citi Double Cash for 120 days vs. $500 on Fidelity Visa for 90 days Extended Warranty: 2 year extended warranty up to a to...
by denovo
Sat Jan 14, 2017 4:22 am
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 28
Views: 8234

Re: One share of BRK.B for Geico discount?

Usually if you want Liability Insurance, your Auto and Homeowners insurance need to be with the same carrier. Geico quoted me a lower cost than what we slready had for auto but the savings was gone by the time their homeowners insurance quote (from a partner) came in. Geico was willing to give me a...
by denovo
Fri Jan 13, 2017 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6653

Re: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases

How much credit line are people with top-tier credit scores (I think that generally means above 720) getting? (income matters too but people don't generally like to disclose that on internet forums) Have to keep in mind the rule of thumb to hold you monthly charges (assuming fully paid each month) ...
by denovo
Fri Jan 13, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: 24 hour stop over at LHR, what all can I visit in London?
Replies: 31
Views: 1717

Re: 24 hour stop over at LHR, what all can I visit in London?

Hopefully there's no kiddos in tow, this will wear them out. A healthy adult should be able to swing it with a lot of caffeine.
by denovo
Thu Jan 12, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1611

Re: Car accident . Fix car or not ?

I'd be shocked if this isn't a total loss, and I would not consider taking a lesser settlement in return for keeping this salvage. Once a car has a salvage title, it will always have a salvage title which makes the value even more questionable and the vehicle very difficult to get rid of later. I f...
by denovo
Thu Jan 12, 2017 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1611

Re: Car accident . Fix car or not ?

As far as buying a new car, the replacement new car I had in mind 2 years from now - either Chevrolet Bolt or Tesla III - are not readily available for purchase yet. Why not buy a Honda or Toyota hybrid that is new and hold it for 2-3 years then get the Bolt or Tesla III? The car will have bumper t...
by denovo
Thu Jan 12, 2017 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1611

Re: Car accident . Fix car or not ?

A rule of thumb I've heard from a body shop is that if their estimate of repairs is 75% or more of the estimated value of the vehicle, the insurance company will declare it totaled. The reasoning is that the incidental costs that come up during repairs could easily raise the costs to above the valu...
by denovo
Wed Jan 11, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6653

Re: Amazon Prime Rewards Visa Signature Card

I am a household member of an Amazon Prime member. I still get the 3 percent, not 5. Can others confirm this is correct? Edit : Per Amazon chat I have checked and found that in order to get the 5% earning through your Amazon Visa Card, your amazon account should have a paid amazon prime membership. ...
by denovo
Mon Jan 09, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 42
Views: 3517

Re: Selling Car - Private Sale vs CarMax vs Dealer

You know the basics. Private sale , carmax, dealer in that order for pricing and the difference will be a few thousand. Probably will be easier to do the transaction if you pay off the car before you sell. In the Internet days, private sales are easy. 1. Marketing is free through craigslist or or ot...
by denovo
Sat Jan 07, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Any Audi Wagon owners?
Replies: 29
Views: 1972

Re: Any Audi Wagon owners?

I I currently drive a 2001 BMW and have found German cars (at least this one) to be expensive to maintain. We keep our cars a long time and put barely 5,000 miles per year on them, if this info is helpful in terms of helping to predict cost of ownership. . German cars are high maintenance and expen...
by denovo
Fri Jan 06, 2017 3:55 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 123
Views: 6430

Re: 2017 hedge fund contest

Orange Apocalypse


LONG

XOM (Exxxon-Mobil)

BAC (Bank of America)


SHORT

UNH (United Health Group)

WMT (Wal-Mart)
by denovo
Wed Jan 04, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28840

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Phatkev, Is it possible your BIL is losing his mental acuity? Perhaps onset of cognitive decline or mental illness? Trouble with finances can be a sign of this and by your description, your BIL is responsible for a complicated financial situation that could become difficult to manage with declining...
by denovo
Tue Jan 03, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Home upgrades, timing and cost
Replies: 10
Views: 699

Re: Home upgrades, timing and cost

Despite what salesmen tell you and what people convince themselves, these upgrades are never worth it as far as resale value. If you want to remodel because you can afford it, do it, but consider it an expense.
by denovo
Sun Jan 01, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer deed or sell home to kid?
Replies: 11
Views: 1163

Re: Transfer deed or sell home to kid?

Hi all, I reside in the state of Texas. My wife and I live in a home my parents bought 4 years ago. There is no mortgage on the home. My parents and I would like to transfer me the deed to the house, particularly for tax purposes and possibly because I may rent it out soon. What are my tax implicat...
by denovo
Sun Jan 01, 2017 10:13 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 670
Views: 16303

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

*** Search tips *** The top of every forum thread contains a search box for that topic (not in the header, but above the first post on the page). The box will contain "Search this topic..." Before making your prediction, search this thread ("topic") to be sure it's not already t...
by denovo
Sun Jan 01, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28840

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

A lot of people are taking the time to post thoughts and recommendations in this thread, and expressing a lot of verbal and psychological energy in doing so, but I just realized that the OP has not reappeared since the thread first began (four days ago as of this writing). Since the OP has not ackn...
by denovo
Wed Dec 28, 2016 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28840

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Where did the money go? Did he buy himself Lamborghini that could be sold off to settle the debt? Did he take trips to Las Vegas and simply throw it all away? Are there accounts in his name somewhere that this money now sits in? This is was what I was wondering as well. How could he spend this kind...
by denovo
Tue Dec 27, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Personal House as LLC
Replies: 10
Views: 883

Re: Personal House as LLC

I have a friend who lives in a house that is owned by an LLC that he owns. He also owns another house that he rents out. The other house is also owned by the LLC. He is able to write off expenses on the house. He also has his cars that are owned by the LLC Is that something that people around here ...
by denovo
Tue Dec 27, 2016 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Question about trusts & estate
Replies: 40
Views: 3427

Re: Question about trusts & estate

Your mother's attorney represents your mother. I am not suggesting your mother and her lawyer are trying to trick you, but fresh eyes that represent only your interests are worth it. I know your father has recently passed away, so this is a sensitive topic, but are their provisions in there to prote...
by denovo
Tue Dec 27, 2016 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4561

Re: Is it possible to graduate from college in 3 years?

Sure it is possible and I'm a big believer in it. I graduated in 3 years while working 20+ hours a week from a private elite university. It was important for me to do so because my family refused to pay any tuition, but you already know the story because it is in another thread of yours: https://ww...
by denovo
Tue Dec 27, 2016 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4561

Re: Is it possible to graduate from college in 3 years?

For a student with enough AP credits, is it possible to graduate in ~3 years (with a bachelors)? I know the technical answer is yes, but do people actually do it? Examples would be great. Thank you Also consider what the person wants to do afterwards. If you want to say go to medical school, and ma...
by denovo
Mon Dec 26, 2016 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Rental - Sell or "One more year"
Replies: 16
Views: 1532

Re: Accidental Rental - Sell or "One more year"

If you want to move back in the area I would keep it. If not, I would sell.
by denovo
Sun Dec 25, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I contact my landlady for lease renewal ?
Replies: 18
Views: 2301

Re: Should I contact my landlady for lease renewal ?

There's a saying that a good tenant is one that's never heard from. Seems like you're low-maintenance and hopefully your landlord is smart enough to see that. As a general rule, in a month-to-month either side can provide 30 to 60 day notice to vacate at any time, and your rent can also be raised an...
by denovo
Sun Dec 18, 2016 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 5492

Re: Branch from our tree fell on neighbor's house ??

OP is under zero obligation to pay anything, and choosing not to is not being a jerk or a "mean guy". Just like I wouldn't expect my neighbor to pay for my repairs or think any less of them if they didn't offer to pay. You're under the misapprehension that satisfying your legal obligation...
by denovo
Sun Dec 18, 2016 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 5492

Re: Branch from our tree fell on neighbor's house ??

We have two older Silver Maple trees on our property right next to neighbor's line and about 15 feet from their house. Earler today (according to my wife) a branch from our tree was blown off and did some damage to the neighbor's roof/house/ Not sure of the extent. According to my wife, the neighbo...
by denovo
Sat Dec 17, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: Credit card keeps getting compromised
Replies: 3
Views: 502

Re: Credit card keeps getting compromised

There are myriad ways your cc can be compromised. Since it is your wife's this time, it is probably just random, so I wouldn't worry that someone has a site password or other hack. http://www.bankrate.com/finance/credit-cards/5-ways-thieves-steal-credit-card-data-1.aspx Got it. Yeah I'm baffled bec...
by denovo
Fri Dec 16, 2016 4:11 am
Forum: Personal Consumer Issues
Topic: How do I find the best mortgage refinance rate?
Replies: 18
Views: 6002

Re: How do I find the best mortgage refinance rate?

On August 12, 2014 Consumer Financial Protection Bureau (CFPB) issued a consent order against Amerisave Mortgage Corporation, its affiliate, Novo Appraisal Management Company, and the owner of both companies, Patrick Markert, for engaging in a deceptive bait-and-switch mortgage-lending scheme. That...
by denovo
Wed Dec 14, 2016 5:00 am
Forum: Personal Consumer Issues
Topic: How do I find the best mortgage refinance rate?
Replies: 18
Views: 6002

Re: How do I find the best mortgage refinance rate?

I am finally out from being underwater on my home and I am ready to refinance. Any suggestions from someone who has done this recently on how to find the best rate? Quicken Loans, Lending Tree, big banks, small banks, credit unions, mortgage brokers.... I have looked around on the internet but some...
by denovo
Wed Dec 14, 2016 4:36 am
Forum: Personal Consumer Issues
Topic: How do I find the best mortgage refinance rate?
Replies: 18
Views: 6002

Re: How do I find the best mortgage refinance rate?

I am banker who originates mortgages, and I do not recommend going online to lending tree or other mortgage broker sites. They advertise rates that almost never turn out to be accurate (either they come with a 3% origination fee or some other issue), and they will ask for ALL of your personal info ...
by denovo
Wed Dec 14, 2016 4:26 am
Forum: Personal Consumer Issues
Topic: How do I find the best mortgage refinance rate?
Replies: 18
Views: 6002

Re: How do I find the best mortgage refinance rate?

Some other resources I found really helpful were the Mortgage Professor's site and posts by White Coat Investor (such as this one - http://whitecoatinvestor.com/10-errors-to-avoid-when-refinancing/) Interesting reading, though that article suggests Amerisave (bullet point #8). https://www.bbb.org/a...
by denovo
Wed Dec 14, 2016 1:55 am
Forum: Personal Consumer Issues
Topic: Credit Karma offers Free Tax filing for 2017 regardless of income
Replies: 5
Views: 1002

Re: Credit Karma offers Free Tax filing for 2017 regardless of income

I saw this article at Clark Howard's website and found it interesting. I know, there are some caveats but I'm just wondering what Credit Karma's strategy is here and how this could boost their business. http://www.clark.com/credit-karma-free-tax-filing-federal-state?utm_source=Clark+Said&utm_ca...
by denovo
Mon Dec 12, 2016 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance in a high risk fire area
Replies: 18
Views: 1229

Re: Homeowners Insurance in a high risk fire area

J Just for giggles, being a Veteran, I contacted a company that offers many types of insurance for veterans. Much to my surprise, they said they could insure the property...and at a decent premium as well for the same coverage's as I had with the company who dropped me. I want to thank all those wh...
by denovo
Mon Dec 12, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Taking on a 5/5 ARM in this environment?
Replies: 27
Views: 2115

Re: Taking on a 5/5 ARM in this environment?

ARMs are good for the mortgage brokers, not you.
by denovo
Mon Dec 12, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 116
Views: 11221

Re: Buying a new home at age 50 in a nicer neighborhood

Update for those following... We bought one finally, close on 1/31. A little smaller than the previous two and $100K less! HOA neighborhood with 1/2 acre lot. Say goodbye to yard work and SNOW SHOVELING FOREVER :) That's a pretty long escrow. Make sure to get a thorough inspection from a non-agent ...
by denovo
Sat Dec 10, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Maybe I don't know how to rent a car?
Replies: 17
Views: 2024

Re: Maybe I don't know how to rent a car?

But really, is this what everybody goes through? Flymore, the vast majority of revenue for car rental companies comes from their corporate accounts (business travelers from megacorps, car dealers, etc). Those customers get the prime treatment, I say this from firsthand experience. Household consume...
by denovo
Sat Dec 10, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Maybe I don't know how to rent a car?
Replies: 17
Views: 2024

Re: Maybe I don't know how to rent a car?

But really, is this what everybody goes through? Flymore, the vast majority of revenue for car rental companies comes from their corporate accounts (business travelers from megacorps, car dealers, etc). Those customers get the prime treatment, I say this from firsthand experience. Household consume...
by denovo
Wed Dec 07, 2016 4:21 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 6694

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

I'm surprised by all the negative responses here. Really? I'm surprised by all the positive responses. I haven't been on a plane in years in large part because being locked in an airline cabin with a screaming kid is one of the worst things I've ever experienced. To the posters who commented that o...
by denovo
Tue Dec 06, 2016 2:43 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 6694

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

I assure you an 18 month won't understand/enjoy an international trip. Do the right thing and be considerate of the flying public. Leave him at home with a relative or cancel the trip.
by denovo
Sun Dec 04, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on dealing with Amazon customer service
Replies: 28
Views: 2488

Re: Advice on dealing with Amazon customer service

When an order is cancelled on Amazon, you usually get an e-mail, did you get something like that and what did it say?
by denovo
Sun Dec 04, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 198
Views: 41780

Re: My New Car Buying Tips

I A big thanks to Denovo for starting this thread; I believe this approach easily saved me quite a bit of money (and hassles) and helped me feel much more empowered in this process. All with truly very little effort on my part. :sharebeer I am glad it worked out and I see further confirmation that ...
by denovo
Sun Dec 04, 2016 2:51 am
Forum: Investing - Theory, News & General
Topic: Where are the annual reports for several international Vanguard funds?
Replies: 6
Views: 517

Re: Where are the annual reports for several international Vanguard funds?

The last annual report for the Vanguard Emerging Markets Stock Index Fund was 10/31/2015, with the semiannual report in April, 2016. The same holds for other popular international funds offered by Vanguard: the FTSE All-World ex-US Small-Cap Fund (VSS/VFSVX) and the Total International Stock Index ...

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