Search found 2877 matches

by denovo
Mon Feb 20, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Cost of tax preparation
Replies: 43
Views: 3206

Re: Cost of tax preparation

For a few years I have used an accountant subsidized by my employer. Now there is no subsidy, and the accountant is quoting a cost in the range $2000-$2500, so I want to see how much others are paying for tax preparation. Our tax return is complicated because (1) My wife is a doctor who is self-emp...
by denovo
Fri Feb 17, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1548

Re: What to ask puppy breeder?

Nyc10036 wrote:This post makes me very sad.
Millions of dogs die in shelters every year and yet people breed more.



plus 1
by denovo
Thu Feb 16, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Auto insurance not covering medical even though coverage
Replies: 11
Views: 520

Re: Auto insurance not covering medical even though coverage

The coverage amount is 100k per person 300k per occurrence. You need to review your policy. You're barking up the wrong tree re: coverage. As others have said the bodily injury coverage section covers payments to to others when you are at fault. There is a separate medical payments if you want cove...
by denovo
Wed Feb 15, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1673

Re: Mailed Speeding Ticket via Auto System - Not Driver

I received a speeding ticket in the mail from the Washington D.C. police department for $100 - no points. It was a camera ticket that was recorded using an automated traffic enforcement (ATS) system. I have a few weeks to pay or contest. Three pictures are documented as evidence; a close up of my l...
by denovo
Wed Feb 15, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Ditched the Avalon! Now in the market for crv!
Replies: 5
Views: 931

Re: Ditched the Avalon! Now in the market for crv!

Hi all, We had previously planned to purchase a new Avalon. After disastrous but fun negotiations, we decided to not buy a car. Instead we are shooting for new 2017 exl crv without nav. We visited a dealer to test drive the car. We liked it. 2017 exl 2wd: 29.5 4wd: 30.8 They don't seem keen on nego...
by denovo
Tue Feb 14, 2017 5:16 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 137
Views: 18105

Re: Wow, Vanguard Flagship service is bad. Really bad.

Do people go to Wal-Mart and expect great service? No, they are the low-cost provider. Vanguard is also the low-cost provider. If you want someone who hangs on your every word you might be better served by a traditional (read: expensive) investment management firm. Another way to say this: cheap, f...
by denovo
Tue Feb 14, 2017 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Any advice for buying a Dr Office?
Replies: 15
Views: 1811

Re: Any advice for buying a Dr Office?

So he gets a guaranteed 110 percent plus later he has the right to be an employee with you bearing all the risk . Sounds like a great deal (for him).
by denovo
Tue Feb 14, 2017 5:02 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 203
Views: 43484

Re: My New Car Buying Tips

I think dealers must be shopping one another using this method more frequently. Earlier this week I contacted 6 dealers about a vehicle I'm interested in. I got OTD quotes from 4 of them and they were all within $100 of each other. Prices about $900 below the "Truecar average"). Agreed. R...
by denovo
Tue Feb 14, 2017 4:57 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 203
Views: 43484

Re: My New Car Buying Tips

I think dealers must be shopping one another using this method more frequently. Earlier this week I contacted 6 dealers about a vehicle I'm interested in. I got OTD quotes from 4 of them and they were all within $100 of each other. Prices about $900 below the "Truecar average"). Did you a...
by denovo
Tue Feb 14, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 5918

Re: Terrible negotiator - need help with words to use [Buying a car]

I am a TERRIBLE negotiator. My stomach is in a knot, my voice quivers, I can't make eye contact, and generally I"m a mess when it comes to responding to an offer I've received. Naturally, salespeople love me. So help! What words should I use to get this price down - a car quote. (and BTW, it i...
by denovo
Tue Feb 14, 2017 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2307

Re: Need quick advice: Pay full year's rent or large security deposit?

I am fairly certain these terms are illegal (disclaimer: not an expert on NY landlord-tenant law). Just wondering if this is a scam or if you could trust someone who would blatantly ignore the law.
by denovo
Tue Feb 14, 2017 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements
Replies: 28
Views: 3563

Re: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements

Another day, another embarrassing post reporting that VG has lost it. I've read things like "well, that's to be expected when a firm's sole focus is on lowering costs for their valued customers." I don't buy it. I test drove both VG and "the competition" over five years ago and ...
by denovo
Mon Feb 13, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2359

Re: New car for wife and what to do with old car

I have searched and it seems her old car may only be worth about $8k. Not sure if we should try to CarMax it or private party sale. For the used car, there's a correlation between how much work you want to put into it and how much money you'll get of it. To get the most money do a private party sal...
by denovo
Tue Feb 07, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is this car insurance claim able to be filed?
Replies: 5
Views: 443

Re: Is this car insurance claim able to be filed?

I thought collision would cover this! I think they have collision with a $500 deductible. They were thinking since it was their fault, and on their property, they couldn't claim. I haven't had car insurance in a long time so I really am not too familiar and needed this info in a pinch - thank you a...
by denovo
Tue Feb 07, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2689

Re: College kids driving cars (to live off campus)

Jack FFR1846 wrote: the most recent, a McLaren F1.



Have your son become friends with this kid so you can drive that. Bring me along too.
by denovo
Mon Feb 06, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is this car insurance claim able to be filed?
Replies: 5
Views: 443

Re: Is this car insurance claim able to be filed?

Hi BH's, Not positive if this is the right forum - apologies if it's not. A family member went to park their car near some woods on their property, and the truck backed up too far and went over a small ridge. It was pulled out by a friend today and the side mirror popped off. It sounds like the doo...
by denovo
Thu Feb 02, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: When to file income tax
Replies: 12
Views: 1542

Re: When to file income tax

Pajamas wrote:Generally I file early if I expect a refund and almost at the last minute if I owe taxes.



+1
by denovo
Thu Feb 02, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Please help buying new Avalon limited!
Replies: 51
Views: 3359

Re: Please help buying new Avalon limited!

Just sent an email to the LA dealer you mentioned. Will see if I can get a bare bones out the door quotes. My latest experience with them was poor. They were nowhere near competitive and not willing to deal. Might have been the sales persons or managers I was dealing with, so be sure to try differe...
by denovo
Thu Feb 02, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing 4 Family House for Rental Income
Replies: 34
Views: 2257

Re: Purchasing 4 Family House for Rental Income

I guess somebody has to say it, but getting tied up in a 20 year financial deal with three other guys is absolutely insane. The issue has nothing to do with the financial merits of owning and renting that particular property. Appreciate it, were all young guys in our late 20s with defined benefit p...
by denovo
Wed Feb 01, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2230

Re: what do you do to avoid the advertising noise?

Wellfleet wrote:Avoid Boglheads.org :happy

I've read how wonderful Arizona and country clubs are, then I looked them both up, and now I want them!!!!



I don't think Arizona is for sale :happy
by denovo
Thu Jan 26, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with 3 rental properties I'm looking to purchase
Replies: 35
Views: 3085

Re: Need help with 3 rental properties I'm looking to purchase

I'm looking to purchase 3 apartments that will be used as rental properties. Any advice would be appreciated. Before you get to any of the stuff about taxes and etc, you should ask yourself a more important question "DO YOU WANT TO BE A LANDLORD" and are you aware of what that entails. Be...
by denovo
Wed Jan 25, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: New issues in trying to get out of timeshare
Replies: 8
Views: 1641

Re: New issues in trying to get out of timeshare

Probably help if they explained why the quitclaim was invalid.
by denovo
Tue Jan 24, 2017 4:20 am
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 85
Views: 6162

Re: Need a good commuter car fairly soon

Honda Accord or Toyota Camry.
by denovo
Mon Jan 23, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Is Little League Slowly Dying? [Should my kids play this year?]
Replies: 38
Views: 3903

Re: Is Little League Slowly Dying?

Per the WSJ link provided above, every sport is having less participation Other popular sports, including soccer and basketball, have suffered as youth sports participation in general has declined and become more specialized. A pervasive emphasis on performance over mere fun and exercise has driven ...
by denovo
Sun Jan 22, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance questions and help
Replies: 19
Views: 2014

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: 36
Views: 5037

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: 1390

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: 1329

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: 1067

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: 55071

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: 55071

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: 8295

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: 8612

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: 6904

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: 1795

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: 28
Views: 2015

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: 28
Views: 2015

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: 28
Views: 2015

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: 6904

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: 3798

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: 2087

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: 145
Views: 8771

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: 29366

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: 749

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: 1194

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: 673
Views: 17848

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: 29366

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...

Go to advanced search