Search found 2927 matches

by denovo
Sat Apr 22, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 39
Views: 4237

Re: Time savers - life on automation

Some ways to save time. 1. Set all your bills to autopay to Credit cards or through your checking account (when possible) and paperless. Have all your credit cards have the same due date and then just spend a few minutes on the same day every month reviewing all your transactions and paying your cre...
by denovo
Fri Apr 21, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3395

Re: Car Choices

Hi all My husband and I are looking at replacing his car. It's a 2013 Ford Focus, that has a coolant leak smell. It's been back to the dealer (2 different one's) 6 times, and they find nothing. As my husband is chemically sensitive, this is an issue. I am getting tired of taking it to the dealer, a...
by denovo
Thu Apr 20, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 4950

Re: Can I afford private school for my kids?

Classical christain education isn't anti science. Grammer, logic and rhetoric is a solid foundation for a STEM education. . Thanks for clarifying. The Grammar, logic, rhetoric method is precisely what I meant by the term. I guess this is why I was confused. That's not a classical Christian educatio...
by denovo
Wed Apr 19, 2017 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 82
Views: 6328

Re: Did anything surprise you in your 2016 taxes?

Running depreciation and figuring out different safe harbors is a real pain in the you know what.
by denovo
Tue Apr 18, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 4912

Re: Tips on Uber

AlohaJoe wrote:
ralph124cf wrote:Do people usually tip on Uber? How much? How, cash or on the app?


No, I never tip.

The cost of running a business should be built into the sticker price.


You live in the US and you don't tip at restaurants?
by denovo
Tue Apr 18, 2017 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 4950

Re: Can I afford private school for my kids?

- My salary (gross) - 140k, Stay-at-home wife - Spending - 5k/month Need way more info. You make 11.5k/month. Where does that go? Expenses, which saving pots, etc. You may want to edit your opening post so other posters can see everything in a formalized place. You've only accounted for 5k. A coupl...
by denovo
Fri Apr 14, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Cost Creep and Teen and College Years?
Replies: 52
Views: 3471

Re: Cost Creep and Teen and College Years?

I have observed this 'ridiculous' trend in our affluent neighborhood too. It's like a rat race. They buy crazy expensive cars for their kids. Recently, two 16 year old girls died in my DD's school because they were racing their friends at 11:30pm. The car they were driving was Porsche race car..Whi...
by denovo
Mon Apr 10, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: PA bailing on active management
Replies: 7
Views: 1115

Re: PA bailing on active management

Good for them, hopefully all states go in this direction.
by denovo
Mon Apr 10, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 1558

Re: Help me decide what to do with my cars

You and your wife have 2 children=4 people. You don't need a minivan. Stick with your current cars.
by denovo
Sun Apr 09, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: MasterCard or Visa... Or One of Each?
Replies: 22
Views: 1877

Re: MasterCard or Visa... Or One of Each?

I'd say have multiple credit cards, and there's an easy way to keep it simple. You can set all of them to have the same due date. Then on Due Date-5 days you review all your transactions and make a payment. Really bad idea to have one credit card, what if the card is hacked, it'll take a while for t...
by denovo
Sun Apr 09, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for my divorced mother (not sure to sell/not sell house)
Replies: 32
Views: 2370

Re: Advice for my divorced mother (not sure to sell/not sell house)

FundsABlazin wrote:Thanks so much for the reply!


Total Expenses: ~$50,223
Income: ~$85,500



Unless this is a typo, what is the problem with the current plan.
by denovo
Wed Apr 05, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on [May 1st], weighing points
Replies: 14
Views: 1310

Re: Closing on 5/1, weighing points

Gray wrote:To be clear, I am closing on 5/1 (May 1). This is a 30 year fixed jumbo loan from Navy Federal.



O, title a bit confusing. Don't pay points.
by denovo
Wed Apr 05, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Need mortgage loan for a residential investment property
Replies: 8
Views: 627

Re: Need mortgage loan for a residential investment property

What are you trying to accomplish by putting them in LLCs? +1 +2 There is no good reason to put the properties in an LLC, it wastes money to set one up and maintain one. Are you worried about getting sued? Follow these two steps. 1. Don't do stupid things. (use unlicensed contractors, rent to scumb...
by denovo
Wed Apr 05, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 2557

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

denovo wrote:How many years did you occupy the unit and yes it matters.
by denovo
Wed Apr 05, 2017 4:37 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 32
Views: 2513

Re: Where to buy new iPhone

The only rebate I see right now is a modest 25 dollar one from Costco.
by denovo
Wed Apr 05, 2017 3:28 am
Forum: Personal Finance (Not Investing)
Topic: Need mortgage loan for a residential investment property
Replies: 8
Views: 627

Re: Need mortgage loan for a residential investment property

What are you trying to accomplish by putting them in LLCs? +1 +2 There is no good reason to put the properties in an LLC, it wastes money to set one up and maintain one. Are you worried about getting sued? Follow these two steps. 1. Don't do stupid things. (use unlicensed contractors, rent to scumb...
by denovo
Tue Apr 04, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: fraud or BoA mistake?
Replies: 14
Views: 1564

Re: fraud or BoA mistake?

Bogleboy, I am not sure if the same has happened to you, but this sounds like something that happened to a family friend. Their checks were intercepted and acidwashed to change the name of the recipient and sometimes the dollar amount.


http://www.ckfraud.org/washing.html
by denovo
Fri Mar 31, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Car Damage: Insurance Coverage?
Replies: 10
Views: 721

Re: Car Damage: Insurance Coverage?

Good to hear. I just came back from the repair shop, and the parts are more than expected, $8,600 for parts alone, and the mechanic refuses to give a firm price on installation, expects about twenty hours. Time to call the insurance company. Ralph Wow! For that, I might seek a "second opinion&...
by denovo
Thu Mar 30, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3291

Re: Divorcing and handling shared and split assets after divorce

It seems like this arrangement is just too complicated. Have you considered trying to work out something that's much simpler and doesn't involve any sharing (except for the kids)? It's interesting to see a lot of replies basically questioning the nesting idea. I couldn't think of anything simpler. ...
by denovo
Thu Mar 30, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: thoughts on car choice/payment?
Replies: 21
Views: 1261

Re: thoughts on car choice/payment?

You guys don't have a financial issue. This is a relationship issue in regards to lifestyle expectations that is manifesting itself as a financial issue. I would suggest printing out the opening post of this thread written by one of the Forum's Founders and most respected members and showing it to y...
by denovo
Thu Mar 30, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Do I need an electrician? If so how much would it cost?
Replies: 32
Views: 2248

Re: Do I need an electrician? If so how much would it cost?

If you don't hire an electrician, cost could be shocking. Could be worse than that. Let's assume OP or an unlicensed electrician does this work and it is not done properly and causes damage to the apartment or surrounding areas. He would be liable and his liability insurance may not cover him either.
by denovo
Tue Mar 28, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4676

Re: Daughter maxed out credit cards, needs help from me

I can't imagine being cool with my daughter living with a guy whose parents pay his bills but who charges her rent. How much rent? Are they splitting things 50/50 - which would be ridiculous given his 'income.' Maybe I'm old fashioned but he sounds cheap like an ex of mine who has a trust fund and ...
by denovo
Tue Mar 28, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 4799

Re: Daugther's Credit Card Windfall

Ancedotal, but something like this happened to my parents, and the bank fixed it on the next statement, I am sure they will figure it out eventually.
by denovo
Tue Mar 28, 2017 3:19 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rate Trends (Refi)
Replies: 1
Views: 285

Re: Mortgage Rate Trends (Refi)

It's easy to make predictions. The possibility that they will be correct are exceedingly small.
by denovo
Mon Mar 27, 2017 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 7207

Re: Massive Student Loan Debt - Girlfriend

Does she come from a wealthy family?
by denovo
Sat Mar 25, 2017 3:50 am
Forum: Personal Consumer Issues
Topic: My TrueCar buying experience
Replies: 23
Views: 4112

Re: My TrueCar buying experience

Is there a reason you didn't want to get the dealers in a bidding war?
by denovo
Fri Mar 24, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 3860

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: 39
Views: 3860

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: 685

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: 29
Views: 4743

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: 22
Views: 1931

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: 45
Views: 4346

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: 3466

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: 3657

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: 43
Views: 5108

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: 3657

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: 1738

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: 4104

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: 4047

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: 1405

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: 2237

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: 1389

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: 147
Views: 10710

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: 147
Views: 10710

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: 147
Views: 10710

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: 1253

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...

Go to advanced search