Search found 2897 matches

by denovo
Fri Mar 24, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 32
Views: 2003

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Duh....the dealer ended up paying the sales tax, out of their pocket . You don't get a registration in my state unless the sales tax has been paid. I have a registration this point. . What state do you live in? I do not think the dealer ended up paying the sales tax. Based on your username (Rainier...
by denovo
Fri Mar 24, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 32
Views: 2003

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Rainier wrote:Duh....the dealer ended up paying the sales tax, out of their pocket. You don't get a registration in my state unless the sales tax has been paid. I have a registration this point.

.



What state do you live in?
by denovo
Fri Mar 24, 2017 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Moving to the US, which CCs to get?
Replies: 16
Views: 544

Re: Moving to the US, which CCs to get?

Questions: 1. My understanding is that I should keep the old CCs open for credit history purposes so should not close the AE, Community Bank and USAA cards when I apply/get new ones? Correct. 3. I read good reviews on Fidelity Visa's 2% cash back card, thoughts? Thank you for you advice! Why tie yo...
by denovo
Wed Mar 22, 2017 3:59 am
Forum: Personal Finance (Not Investing)
Topic: Wife wants to get into real-estate
Replies: 21
Views: 3057

Re: Wife wants to get into real-estate

Update: Based on a suggestion from another Boglehead, here's the real question: My wife is a realtor and we are wondering whether we can use her profession to buy and sell houses , while saving on the taxes in the transactions because she is a realtor. If so, what is the best way of going about it?...
by denovo
Wed Mar 22, 2017 2:20 am
Forum: Personal Consumer Issues
Topic: How to know if someone has filed your tax returns fradulently?
Replies: 21
Views: 1577

Re: How to know if someone has filed your tax returns fradulently?

Hi forum members, Was wondering if there is a way to know if someone else has filed taxes fraudulently on your behalf? I.e. before even you attempt to file your own legit taxes, is there a way to look-up and check with IRS.gov if someone else has beaten you to it and filed taxes using your info? Gi...
by denovo
Sun Mar 19, 2017 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Divesting to heirs. When and how quickly.
Replies: 44
Views: 3838

Re: Divesting to heirs. When and how quickly.

Wow that is some age range! I think at 19 a mill trust/gift or even 50k/yr annuity would be a HUGE de-motivator and I am a pretty motivated person. but still at 19 I wasn't totally certain of life path planning and I was still ahead of most of my peers on what "I wanted to do with my life"...
by denovo
Fri Mar 17, 2017 4:48 am
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 3210

Re: Medical treatment in US for non US citizen

Is she seeing specialists in her own country? Have they referred her to the best specialist for her condition in her own country? Can that doctor treat her or is he/she so knowledgeable about that condition that he/she knows who the best doctors for it in the world are? I would first exhaust all th...
by denovo
Mon Mar 13, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard
Replies: 28
Views: 3505

Re: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard

I'm just depressed that I'm about 2 years out on a home purchase and I know interest rates will be higher. I'm figuring in 2 years we'll be between 6-7% on conventional 30 yr mortgages. If that happens, prices will be much lower. Don't count on that either. The inventory isn't there and sellers may...
by denovo
Mon Mar 13, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 39
Views: 3898

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

OP, if you are counting the votes, please count my voice as +1 to move. As others said, it is not your property to plan on "how to get rid of a tenant", it is a waste of your time and the quality of life, let alone the safety for you and your family while trying to do something to evict t...
by denovo
Mon Mar 13, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard
Replies: 28
Views: 3505

Re: "We’re not going back to the ‘80s, but expect the Fed to raise rates" by Joe Davis of Vanguard

I like Vanguard for its index funds. But I put absolutely no weight into their predictions about interest rates, asset bubbles, or so forth. In this regards, they are just as useless as the CNBC/fox business people.
by denovo
Sun Mar 12, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get condo earthquake insurance (California)?
Replies: 18
Views: 1649

Re: Should I get condo earthquake insurance (California)?

I live in a modest one bedroom condo and the homeowners association does have earthquake insurance for the property, but I do not believe it covers my dwelling per se. The earthquake insurance you get for your condo is only for your belongings, and to cover any upgrades you have done inside. Not tr...
by denovo
Fri Mar 10, 2017 3:34 am
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 3911

Re: How Do You Share Expenses?

Are there kids involved? Either in common or with other spouses?
by denovo
Thu Mar 09, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 3568

Re: Wedding cash gift

A lot of good stories here. My girlfriend and I decided on a whim to fly to an island and get married on a boat. I called my mom the next morning still pretty drunk and gave her the news. She mailed us a nice gift. All worked out fine. Our friends thought it was awesome what we did and congratulate...
by denovo
Sun Mar 05, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: For Travel package...Expedia, Orbitz, or Travelocity?
Replies: 14
Views: 1279

Re: For Travel package...Expedia, Orbitz, or Travelocity?

1210sda wrote:Planning a trip where I would need hotel, air and a rent car.

Which travel service have you found to be better (i.e. less expensive).

Is it always a better deal to do a package? Might separate be better sometimes? (Southwest Air)

1210



https://www.costcotravel.com/Vacation-Packages
by denovo
Sun Mar 05, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Bank of America vs Chase
Replies: 26
Views: 2043

Re: Bank of America vs Chase

One thing to consider before you jump ship, is that 20 years experience with BoA helps your credit score. How does 20 years with one bank help your credit score? Part of your credit score, e.g. FICO, is longevity of credit. If you don't have a long term credit card with BoA, then this is probably i...
by denovo
Tue Feb 28, 2017 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons of Renting Basement Apartment
Replies: 17
Views: 1331

Re: Pros and Cons of Renting Basement Apartment

I would like to generate a little extra income to payoff my house and take a few more vacations. A lot of posters are concerned about any restrictions in your city/township. A Good way to figure out if this is generally allowed is to see if there are others in your neighborhood that are renting out...
by denovo
Fri Feb 24, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 136
Views: 9404

Re: risk of my Tesla deposit

Money is at risk anytime you give it to a company as a consumer. If the company goes belly up, your money is likely gone. I can't think of any service or goods that I've purchased where I pay a year or two in advance. I wouldn't buy an extended warranty from Sears for the same reason (or from any c...
by denovo
Fri Feb 24, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 136
Views: 9404

Re: risk of my Tesla deposit

So the Tesla naysayers out in force today. Since this is an investment forum let me give you my perspective, and as to OP, you will make many thousands of people happy if you take your deposit back so they can move up in line. Although primarily an index investor have been speculating in Tesla stoc...
by denovo
Fri Feb 24, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 136
Views: 9404

Re: risk of my Tesla deposit

letsgobobby wrote:
How do I analyze if my deposit is at risk?



The credit quality of any Tesla bonds is a good proxy. But then again, if you're stressed out over losing 1k, you probably shouldn't be buying a Tesla.
by denovo
Thu Feb 23, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Routine maintenance recommendations to prevent future costly repairs
Replies: 15
Views: 1194

Re: Routine maintenance recommendations to prevent future costly repairs

I'm not sure if we already have had one, but if not, I'd like a thread with suggestions on routine maintenance things to do to save money. House: - Do people recommend the HVAC maintenance at the start of summer and winter, or is that not worth it? - Boy you left a lot of stuff off for your house t...
by denovo
Mon Feb 20, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Cost of tax preparation
Replies: 43
Views: 3380

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: 1662

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: 559

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: 1840

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: 9
Views: 1637

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: 150
Views: 20907

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: 1934

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: 215
Views: 45449

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: 215
Views: 45449

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: 6448

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: 2458

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: 3774

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: 2487

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: 474

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: 2745

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: 474

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: 1584

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: 3477

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: 2338

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: 2277

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: 3119

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: 1674

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: 86
Views: 6437

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: 3968

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: 2086

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: 5125

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: 1486

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: 1511

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: 1080

Re: Not bad for a community organizer

In before the lock.

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