Search found 3153 matches

by denovo
Tue Aug 22, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 39
Views: 1292

Re: Can you recommend a good mouse trap?

I used these and put peanut butter on the trap. It was easy to use. It was obviously not humane. These kill the mice. https://www.amazon.com/gp/product/B004B9XPOO/ref=oh_aui_detailpage_o00_s00?ie=UTF8&psc=1 $14.8/trap :? :| :confused :annoyed That's cruel to my wallet. IMO, used traps are better th...
by denovo
Tue Aug 22, 2017 3:54 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 39
Views: 1292

Re: Can you recommend a good mouse trap?

I used these and put peanut butter on the trap. It was easy to use. It was obviously not humane. These kill the mice.

https://www.amazon.com/gp/product/B004B ... UTF8&psc=1
by denovo
Tue Aug 22, 2017 2:11 am
Forum: Investing - Theory, News & General
Topic: Unrated municipal bonds
Replies: 15
Views: 1146

Re: Unrated municipal bonds

I could use a little help on this one. I was reading that unrated municipal bonds (story bonds) default about 1/19th of the time. The yields seem to easily cover that. Tax free interest and capital gains tax loses sound good. 1) Am I missing a catch somewhere? The tax adjusted yields seem much bett...
by denovo
Tue Aug 22, 2017 2:03 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 46
Views: 2703

Re: School Redistricting - What should we do?

Option 1 - MOVE NOW. This will involve taking at least 70-100K equity loss due to drop in home value. Buying another house in current market will increase our mortgage payment upto 45% of take home pay due to increase in home values recently. This will impact our current savings rate significantly....
by denovo
Tue Aug 22, 2017 12:47 am
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 28
Views: 2540

Re: Rental car booted for prior unpaid parking tickets

Yup, that's it. And we had to change plans, because we couldn't just get the car as planned. So... we'll dispute the charge with Hertz, and see what happens. We know we can't really deal with it where we turn in the car; that poor soul won't have authority to fix anything (or even know if we are te...
by denovo
Tue Aug 22, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 28
Views: 2540

Re: Rental car booted for prior unpaid parking tickets

[ But what's to stop something worse, like being stopped by police because the car has some sort of "record" (multiple speeding tickets or who knows what!??). In all of these years, none of this ever occurred to us. (Too naive?) I don't mean to feed your suspicions, but the same kind of things, if ...
by denovo
Mon Aug 21, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 7
Views: 518

Re: Help With Travel to Prague - Vienna - Budapest

We are planning to go to Prague, Vienna & Budapest next May. Probably, fly into Budapest, then take trains to Vienna and Prague, flying back out of Prague. I was thinking of 3 nights in each. Do you think that is sufficient time? Any other tips, suggestions are welcome. Thanks!! I would edit your p...
by denovo
Mon Aug 21, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Advice-Just gave some information to Voice Phisher
Replies: 9
Views: 1013

Re: Advice-Just gave some information to Voice Phisher

I would open a new savings account with a diff company.
by denovo
Mon Aug 21, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: which mortgage to take?
Replies: 8
Views: 358

Re: which mortgage to take?

Incendiary wrote:
Mon Aug 21, 2017 4:54 pm
Goal33 wrote:
Mon Aug 21, 2017 4:51 pm
You should probably find a 30 year fixed at less than 4%
This is for a commercial property. I don't think such things tend to exist.

You are correct. I vote for the 10 yr
by denovo
Mon Aug 21, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should my grandfather liquidate?
Replies: 22
Views: 1409

Re: Should my grandfather liquidate?

If the OP does not understand capital gain tax now he should not be advising anyone about a possible sale containing such versus waiting. :( I do understand capital gains, but obviously did not know about the stepped up basis. Thanks to some helpful folks above, I went and researched that point. Th...
by denovo
Mon Aug 21, 2017 3:28 am
Forum: Personal Finance (Not Investing)
Topic: Other financial sites worth reading
Replies: 14
Views: 2671

Re: Other financial sites worth reading

Aside from reading the Bogleheads Forum a few times per week, I also read the articles on Vanguard and Charles Schwab. The financial world is full of noise, but are there other financial web sites out there worth reading that hold similar values as Bogleheads.org? What other sites do you deem worth...
by denovo
Mon Aug 21, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Contractor job - what type of entity?
Replies: 12
Views: 841

Re: Contractor job - what type of entity?

There have been many threads on this forum about people working as independent contractors. You should consider the many benefits that your prior employer covered that you will not be getting. For example, you may find up if you add up all the employer benefits paid (unemployment, SS and Medicare ta...
by denovo
Sun Aug 20, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 81
Views: 3746

Re: Safe car for wife and baby

greg24 wrote:
Sun Aug 20, 2017 8:08 pm
Maybe you should attempt to reduce the baby's 18k annual commute distance rather than buy a giant vehicle.

+1 Seems like a good alternative.
by denovo
Sun Aug 20, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 2611

Re: Advantages of Having No Credit Score

Thanks for the replies everyone. I have been offered 3.7% on a 15 year mortgage (40% down 60% lent). I'm borrowing <60K. I plan to try and pay it off in a year, so the rate isn't critical. Prime rate on a 15 YR for someone with great credit is 2.875. If you had a credit score, you could have gotten...
by denovo
Sun Aug 20, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 2611

Re: Advantages of Having No Credit Score

What was the term and apr on your loan
by denovo
Sun Aug 20, 2017 2:54 am
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 18
Views: 2051

Re: Real estate vs stock market returns: some unbiased numbers

On the Internet (and in real life) there seems to be an overly amount of bias in both directions, to the point where it's difficult to trust any calculation done by any third party. Oh, I forgot to add, John T Reed has some good books and article on real estate. And he did an excellent job of demol...
by denovo
Sun Aug 20, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 18
Views: 2051

Re: Real estate vs stock market returns: some unbiased numbers

I've been doing landlord for quite a long time. I do not like BiggerPockets at all. I do not think it's the Boglehead-equivalent for real estate investing. I don't think such a forum exists. It's always a give-away when someone has read that forum, because they start mentioning inane things like Cla...
by denovo
Sun Aug 20, 2017 1:59 am
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 25
Views: 1409

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

I love going to the movies, usually go to matinees midweek so there is hardly anyone else there..... Hope this new movie pass pans out as it would save me a lot. I too enjoy going to movie theaters. I know many people who barely go to the movies anymore and just wait for stuff to come out on Netfli...
by denovo
Sat Aug 19, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6695

Re: DUI lawyer - need advice

Smartest thing the defendant did was not to take a breathalizer test. I don't know what the guy paid his lawyer to defend him, but I think if you asked him he'd tell you it was well worth it. In some (many? states) if you refuse to take a blood or breathalyzer test , they can suspend your license u...
by denovo
Sat Aug 19, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6695

Re: DUI lawyer - need advice

Smartest thing the defendant did was not to take a breathalizer test. I don't know what the guy paid his lawyer to defend him, but I think if you asked him he'd tell you it was well worth it. In some (many? states) if you refuse to take a blood or breathalyzer test , they can suspend your license u...
by denovo
Fri Aug 18, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6695

Re: DUI lawyer - need advice

My dc is up on dui/oui charges for a first offense. A tree was hit with no injury to anyone. Is it worth it to spend more money on a more expensive lawyer or is this standard fees and terms from a judge? An attorney for this will not be cheap. I would save the money. Facing the music from a judge c...
by denovo
Fri Aug 18, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 42
Views: 4706

Re: Thoughts on Chase for everyday banking

The Chase by me does free notarizations.
by denovo
Thu Aug 17, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Paying directly for damage caused to someone else's car
Replies: 17
Views: 1275

Re: Paying directly for damage caused to someone else's car

Muri wrote:
Wed Aug 16, 2017 4:39 pm

If I write something on the check like "this pays in full for the parking lot damage caused by (daughter's name, license plate number) on (date of accident) do you think we will be ok?
Writing something on the memo of the check really means nothing. Get a signed and notarized release.
by denovo
Thu Aug 17, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: WSJ - ... Stop Index Trackers [from] Eating the Economy
Replies: 23
Views: 2927

Re: WSJ - ... Stop Index Trackers [from] Eating the Economy

And what the heck is this? The problem crops up again and again in finance. It makes sense to be a free rider on someone else’s work, but once everyone realizes that, there is no one left to do the work. In markets, the work is identifying which companies will do best, which harnesses greed to deliv...
by denovo
Thu Aug 17, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: WSJ - ... Stop Index Trackers [from] Eating the Economy
Replies: 23
Views: 2927

Re: WSJ - ... Stop Index Trackers [from] Eating the Economy

Some of this article is really odd, and I am surprised how it made it past the editors. But it will take time to make a difference. GPIF’s Japanese equities are now 91% passive, counting money in so-called smart-beta funds that follow rules such as value or momentum trading. [/b] Can I get a ruling ...
by denovo
Thu Aug 17, 2017 4:53 am
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 31
Views: 2736

Re: Credit score dropped 100 points overnight

Looking for possible explanations, and wondering how worried I should be. Through my credit union I see my TransUnion credit score, updated daily. It predictably drops a little when I open a new CC account, but goes up otherwise. Two days ago, it was 805. That same day, a new CC account I had opene...
by denovo
Mon Aug 14, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2753

Re: Bough gift cards from cash card.com and somebody else used them all

greg24 wrote:
Mon Aug 14, 2017 10:32 am
The risk of manufactured spending.
+1
by denovo
Mon Aug 14, 2017 4:06 am
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 3626

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

I don't understand the relationship between a bull market and throwing away tax-deferred savings space that you can never get back. Could someone spell it out more for me? I am not OP, but his thinking is we're in a bull market about to crash, money going into the mortgage has a guaranteed return o...
by denovo
Mon Aug 14, 2017 3:41 am
Forum: Personal Finance (Not Investing)
Topic: buying a rental property vs investing more in stocks
Replies: 26
Views: 2796

Re: buying a rental property vs investing more in stocks

I would buy 3 rental properties in nice neighborhood in Memphis, KC, Indy, etc.... Gross rents will be about $3,300 a month. The great thing about diversifying on days when the stock market is down you at least know some of your assets aren't changing in value that day. OP lives in NorCal. He'd los...
by denovo
Mon Aug 14, 2017 3:33 am
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 1925

Re: Rent Out or Sell My Condo...

Rent= 2200 - 1280 (Mortgage) -270 (Hoa) -80 (Insurance) - 160 (Property Manager). Cash flow is like $410/month. I want you to think about this to remove anchoring. Imagine if someone suggested you buy your unit today for $375k to rent at $2,200 while you were living away, and you would be farming ou...
by denovo
Sat Aug 12, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: buying a rental property vs investing more in stocks
Replies: 26
Views: 2796

Re: buying a rental property vs investing more in stocks

I would buy 3 rental properties in nice neighborhood in Memphis, KC, Indy, etc.... Gross rents will be about $3,300 a month. The great thing about diversifying on days when the stock market is down you at least know some of your assets aren't changing in value that day. OP lives in NorCal. He'd los...
by denovo
Sat Aug 12, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany
Replies: 21
Views: 1924

Re: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany

How many hours a day did you bike on average? It depends on how you define "bike." For the most part, I left around 9:30 or 10 in the morning and arrived around 6pm. But, not all of that was "biking." Some of it was eating, some taking photos, some doing other non-riding things. Looking at my daily...
by denovo
Sat Aug 12, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Car Depreciation As Reason to Get A New Car
Replies: 34
Views: 3365

Re: Car Depreciation As Reason to Get A New Car

By fleasing, I mean leasing, you are paying the depreciation anyways but during the highest depreciating years, when the car is new. By always buying/leasing new cars you are perpetually having a car in its highest depreciating time. +1 Well, a lot of rich people like to have good new stuff. What's...
by denovo
Sat Aug 12, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: buying a rental property vs investing more in stocks
Replies: 26
Views: 2796

Re: buying a rental property vs investing more in stocks

I would buy 3 rental properties in nice neighborhood in Memphis, KC, Indy, etc.... Gross rents will be about $3,300 a month. The great thing about diversifying on days when the stock market is down you at least know some of your assets aren't changing in value that day. OP lives in NorCal. He'd los...
by denovo
Sat Aug 12, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 4688

Re: What home task(s) are worth learning to do yourself?

jebmke wrote:
Sat Aug 12, 2017 3:41 pm
I highly recommend knowing where the water shutoff is. This is something you should "learn" even before a problem crops up.

+1
by denovo
Sat Aug 12, 2017 1:53 am
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3202

Re: Elite status clubs that you are part of?

COSTCO Executive Membership.
by denovo
Tue Aug 08, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Car Depreciation As Reason to Get A New Car
Replies: 34
Views: 3365

Re: Car Depreciation As Reason to Get A New Car

Nate79 wrote:By fleasing, I mean leasing, you are paying the depreciation anyways but during the highest depreciating years, when the car is new. By always buying/leasing new cars you are perpetually having a car in its highest depreciating time.
+1
by denovo
Tue Aug 08, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8768

Re: When does renting make sense

When does renting a home make more sense than buying? A couple of good reasons. 1. You have not settled down in an area, you may be there for only 1,2,3,4 years because of job or family situation or size of the place. I would not consider buying a home (condo/sfh/townhouse) unless you are sure you ...
by denovo
Mon Aug 07, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8768

Re: When does renting make sense

A house is not an investment, it is an expense. Most folks josh themselves into thinking they are making money when they sell it for more than they paid. But they also conveniently ignore the costs of buying and selling, and all the maintenance they paid for and/or performed. If you tally everythin...
by denovo
Mon Aug 07, 2017 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 8768

Re: When does renting make sense

KlangFool wrote:
You will spend more on your housing expense when you buy a house.

KlangFool
[Citation needed]
by denovo
Fri Aug 04, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: [SOLVED] VG Account Compromised: Please Advise
Replies: 30
Views: 2586

Re: VG Account Compromised: Please Advise

Do you re-use username/password combo's on multiple sites/
by denovo
Fri Aug 04, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 1865

Re: Car accident: insurance or self-pay?

Several months later Allstate said - they paid the damages - was about 1500.00 to fix the Ford van. I'm like - what Ford Van ?? - I explicitly called them after the accident and described the car - black Cadillac STS - provided pictures and everything. Apparently someone had taken the letter off th...
by denovo
Fri Aug 04, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 1865

Re: Car accident: insurance or self-pay?

My insurance broker said it would be smarter to self-pay. She said that if we made a claim our insurance would go up around $800/year for at least four years. That amount, plus our deductible, exceeds the out-of-pocket cost of the repair. He's talking out of his rear. No way he can say with that ki...
by denovo
Thu Aug 03, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Finding ways to save even more money.
Replies: 11
Views: 1647

Re: Finding ways to save even more money.

Thesaints wrote:Sadly, college system has become such that Galois himself wouldn't get in a good school, if he didn't pay attention to extracurricula.
Perhaps, but I am not aware of any college applications that scrutinize the activities of students when they were in elementary school.
by denovo
Thu Aug 03, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 3297

Re: MIL wants to move in with us

If your wife is willing to care for MIL, your kids, and all the pets, not to mention feed you, I don't see how you can say no without being selfish. If everyone agrees it doesn't work once you've tried your wife's plan, there's always the Home. :( You really think his workload at home and quality o...
by denovo
Thu Aug 03, 2017 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Should you buy or rent a 140k apartment/house?
Replies: 12
Views: 1046

Re: Should you buy or rent a 140k apartment/house?

What's the comparable rent? Hoa fee? Property tax? Insurance cost?
by denovo
Thu Aug 03, 2017 3:32 am
Forum: Personal Finance (Not Investing)
Topic: Structuring payoff offer for house in foreclosure, above water
Replies: 27
Views: 2776

Re: Structuring payoff offer for house in foreclosure, above water

You have an issue that is personal/health-related that is presenting itself as a financial issue. Not much the forum can do. OP's relative knows he has everyone over a barrel and will use it to the max financially. Not the first time this story has occurred in the world.
by denovo
Wed Aug 02, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: android auto or carplay?
Replies: 10
Views: 728

Re: android auto or carplay?

I'm about to ditch my phone and get a new one. Haven't decided on ios or droid. would like your thoughts on which car infotainment system is an overall better experience. If you're in the new car market and infotainment is a big deal, I'd go ahead and check out in detail how different car brand pla...
by denovo
Wed Aug 02, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Android setup to use with Android Auto?
Replies: 13
Views: 800

Re: Inexpensive Android setup to use with Android Auto?

I am an Android guy, but google search tells me there's ways to get google maps on an iphone. Others can chime in I guess to see how those fixes work. Seems less of a PITA than tethering and maintaining two devices. You can get Google Maps on an iPhone, but not on Apple CarPlay. Er, I was being slo...