Search found 4378 matches

by denovo
Sat Mar 23, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Lease a car or buy a car
Replies: 49
Views: 3305

Re: Lease a car or buy a car

I know two kinds of people: those who buy cars and those who lease. I belong to the first group. We have always bought cars in cash, often used, but not always. Always well maintained and long-lasting. Yes, we can afford any car we want, any car. We drive a four-year-old Subaru Forrester and betwee...
by denovo
Sat Mar 23, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 6019

Re: Family man who misses driving a fun car

Dump the 2nd SUV
by denovo
Sat Mar 23, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 6019

Re: Family man who misses driving a fun car

Two teenagers and two adults with everything for a two day trip to the beach, all in a Ford Focus. Never been a problem. I am quite perplexed by the occasional insistence I see here and there that if you have kids you must have an SUV. On other threads someone mentions having two young ones and a s...
by denovo
Tue Feb 05, 2019 9:12 pm
Forum: Investing - Theory, News & General
Topic: Insights from Norway's $1 Trillion Fund Manager
Replies: 60
Views: 6508

Re: Insights from Norway's $1 Trillion Fund Manager

Not sure why the "less than 3%" investment in China is notable. Total World Stock indices are 3.1% in China, so if you were 70/30 like the Norway fund you would be at around 2.2% in China overall, given that China is less than a 0.1% share of total world bond indices. +1 I was about to type this be...
by denovo
Sat Feb 02, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Birth parent's estate?
Replies: 12
Views: 1039

Re: Birth parent's estate?

You’re entitled to only what people decided to defer to you, which in this instance seems to be nothing. I can’t imagine why you feel you’d be enetitled to more. Just being honest. Thank you for your honesty. I feel I was entitled to as much as my sibling was. Nothing more, nothing less. Maybe I’m ...
by denovo
Fri Feb 01, 2019 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 9502

Re: Marriage "Benefits"

PoppyA wrote:
Thu Jan 31, 2019 10:01 pm
Common law marriage laws may kick in if you live together the requisite amount of time for the state you live in.
Very few states have common-law marriage.
by denovo
Thu Jan 31, 2019 1:27 am
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 144
Views: 13612

Re: What do you think are (some of) the best states to live in?

snackdog wrote:
Sun Jan 06, 2019 3:15 pm
States are enormous and can have vast internal variances in economic opportunities, schools, COL, even climate. Washington might be better overall than North Carolina,but Asheville might trump anywhere in WA, for example.

+10
by denovo
Wed Jan 30, 2019 9:12 pm
Forum: Forum Issues and Administration
Topic: Welcome to the new forum layout
Replies: 54
Views: 7311

Re: Welcome to the new forum layout

I think Personal Consumer Issues Forum will get less posts/threads/eyeballs because it is on the bottom below the Wiki Forums.
by denovo
Tue Jan 29, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Ford recently? Advice please...
Replies: 58
Views: 4532

Re: Anyone bought a Ford recently? Advice please...

Longruninvestor wrote:
Tue Jan 29, 2019 10:36 pm
There's nothing special about the F-150. You are just negotiating in a bad way.


viewtopic.php?t=124638 is what you want to do.
by denovo
Mon Jan 28, 2019 1:18 am
Forum: Personal Finance (Not Investing)
Topic: What to do with mortgage near retirement?
Replies: 43
Views: 4034

Re: What to do with mortgage near retirement?

Have a plan to pay down mortgage a good deal before retiring. Plan would reduce initial 30 year fixed at 4.5% from original loan amount of $651,000 to around $250,000 in 10 years. This would leave 6 years of mortgage at around $4000 month (including escrow) until it is paid off. My question is, wou...
by denovo
Sun Jan 27, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Did I do a terrible purchase on a used car?
Replies: 38
Views: 4157

Re: Did I do a terrible purchase on a used car?

I purchased a 2013 Toyota Prius for $15,770. With taxes and fees, it came to $17,049. It has 21,603 miles. I'm doubting my purchase since I purchased it at the sticker price and I've heard you should never buy the sticker price. Please let me know if I was an idiot :) I obviously see an option $24 ...
by denovo
Thu Jan 24, 2019 12:08 am
Forum: Personal Consumer Issues
Topic: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles
Replies: 20
Views: 2895

Re: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles

KyleAAA wrote:
Wed Jan 23, 2019 11:23 pm
Truecar has never promised the best price but I think it's telling that it's a dealership group and not a consumer group suing them.
Did you read the article?
by denovo
Wed Jan 16, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: This Alabama Quarterback Wants to Be Your Insurance Salesman
Replies: 9
Views: 1679

Re: WSJ: This Alabama Quarterback Wants to Be Your Insurance Salesman

rockonhumblepie wrote:
Wed Jan 16, 2019 12:28 am
Pass.
When this thread is locked, it would be nice if the mod says interception or something like that.
by denovo
Mon Jan 14, 2019 1:10 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 328
Views: 102756

Re: My New Car Buying Tips

Quick update, this strategy even works for rarer cars. I helped an acquaintance get a Mustang Shelby GT350, a car that most dealers only have 1 of and some dealers even mark it up above sticker by 10-15k. (additional dealer markup). Sent out quotes to 25 or so dealers and did the process, was able t...
by denovo
Thu Jan 10, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 10569

Re: Disciplined with finances, but not so with diet

Any bogleheads any diet wisdom? I've always been disciplined with saving money but can't seem to apply the same discipline to my diet. I have tried weight watchers, Jenny Craig, beach body, keto, my fitness pal...I lack discipline and get hungry. Just this week I decided to start eating the same th...
by denovo
Sun Jan 06, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 8202

Re: United, American, Delta--about the same?

Years ago, we took a long flight on United with a child under the age of 2. So, we did not need to buy a ticket for him, he rode on our laps if there was no empty seat. When it came time for them to serve lunch, they said "no meal for him, he does not have a seat". Since then, I have tried to avoid...
by denovo
Sat Jan 05, 2019 12:46 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 328
Views: 102756

Re: My New Car Buying Tips

I like giving a person at the dealership my email, phone, and text number so that they can contact me anyway that works for them. I haven't had a problem with dealers bothering me after the bidding process ends. I like to work the bidding process over the phone. As wonderful as emails are, I like v...
by denovo
Thu Jan 03, 2019 12:59 am
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 9898

Re: New job, sales at Subaru

Very interesting and sounds like a good dealership. How does the sales position and training evolve into being an entrepreneur? Good luck and I’m curious to hear your thoughts as it progresses. Based on what I've been told, you get the Entrepreneurship experience in the sense that you have full con...
by denovo
Thu Jan 03, 2019 12:56 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 328
Views: 102756

Re: My New Car Buying Tips

Another data point for Bogleheads, I was helping a co-worker get a base model Subaru Forester 2.5i, sticker of 26,300. Costco/TrueCar price was $27,400 OTD. OTD paid was $26,000, or $1,400 less than TrueCar and 2,800 less than sticker. First round quotes ranged from 26,600 to 29,400 i.e. beat TrueCa...
by denovo
Wed Dec 26, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9855

Re: What common everyday inconvenience have you intentionally suffered for frugality?

livesoft wrote:
Wed Dec 26, 2018 7:57 pm
We didn't replace the central heat in the upstairs of our home for 2 winters when it stopped working. We just spent more time downstairs where its central heat was still fine.
I am guessing no one slept upstairs?
by denovo
Mon Dec 24, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Finding a house for rent
Replies: 8
Views: 983

Re: Finding a house for rent

Lately, I've been recommending people drive in the neighborhoods and look for rental signs. Less competition and more easier to show interest. That's a peculiar recommendation. I'd say 90 percent of the people who rent out homes do not put out rental signs. It's a growing trend that a lot of home s...
by denovo
Tue Dec 04, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Refusing to pay rent until maintenance is performed
Replies: 16
Views: 2327

Re: Refusing to pay rent until maintenance is performed

RollTide31457 wrote:
Tue Dec 04, 2018 8:12 pm
Let’s say a rental needs maintenance actions to resolve heat/ac, plumbing, leak, etc. issues. Can a tenant refuse to pay rent until those maintenance actions are performed?
Laws vary by state, and sometimes city.
by denovo
Wed Nov 28, 2018 1:22 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 4246

Re: Electricity bill should be 7% per month of home sq footage.

Does this sound correct? Bought a house in May (built in 1990) and our electricity bill has been really high, over $500 in July, August and September :shock: . According to this calculation our monthly bill should be about 270/mo or so (3884 sq ft house) I realize there are many other factors; wher...
by denovo
Sun Nov 25, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting accounts as a beneficiary - potential issues and practical tips?
Replies: 33
Views: 2423

Re: Inheriting accounts as a beneficiary - potential issues and practical tips?

It's usually better not to designate beneficiaries except for life insurance and retirement benefits. Designating beneficiaries for everything will make it more difficult for your final income tax returns to be filed and the taxes paid, for someone to advance the money for your funeral and be reimb...
by denovo
Sun Nov 25, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 56
Views: 6048

Re: Driving a car Italy, any suggestion?

If you want an automatic transmission, double-check your reservation and make sure it is clearly stated. I would actually say that OP shouldn't bother renting a car if he doesn't drive stick. He can make a reservation , but it's no guarantee. Most cars in Europe are stick. That doesn't occur to a l...
by denovo
Sun Nov 25, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Destroying my lease mileage
Replies: 26
Views: 2713

Re: Destroying my lease mileage

Example of a risk/disadvantage of leasing. If he bought the car he would be paying roughly the same amount for those added miles. Depreciation doesnt care if you lease or buy. It is just more in your face the cost of miles when you lease. When one buys a car, the dealer doesn't care how many miles ...
by denovo
Tue Nov 13, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3406

Re: Can you suggest where to live if work at UCLA

I have had other friends and family go to UCLA. They all learned by experience not to live much east of campus. One started in the Fairfax area, commuting, and the area was so gritty, he finally moved to rent a room at the beach in Santa Monica, paid a lot more but loved it and felt safer. how many...
by denovo
Mon Nov 12, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3406

Re: Can you suggest where to live if work at UCLA

I have had other friends and family go to UCLA. They all learned by experience not to live much east of campus. One started in the Fairfax area, commuting, and the area was so gritty, he finally moved to rent a room at the beach in Santa Monica, paid a lot more but loved it and felt safer. how many...
by denovo
Mon Nov 12, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: new car [pay cash?]
Replies: 15
Views: 1364

Re: new car [pay cash?]

kenoryan wrote:
Mon Nov 12, 2018 6:50 pm
I’ve bought my last 4 cars for cash. I think I get the best deal when I pay cash.
Dealers make money if a loan is acquired through a dealer. You won't get a better deal for paying cash.
by denovo
Mon Nov 12, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Kids Inheritance - Lump Sum or SWR?
Replies: 13
Views: 1333

Re: Kids Inheritance - Lump Sum or SWR?

ThankYouJack wrote:
Sun Nov 11, 2018 5:55 pm
How's your will / trust set up to transfer your estate to your kids? I know lump sums are common, but I wonder if a SWR say 4% would be better for young adults
I assume age would be relevant. 20 v 30 v 40, etc.
by denovo
Mon Nov 12, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 2085

Re: Trying to move out.

That's a lot of words. Here's a shorter version: "I'm afraid my dog and my girlfriend's dog might not get along but I want to move in with her. What should I do?" All the talk about separate crating and upstairs/downstairs is, quite frankly, crazy talk. You're not going to do that for 5+ years, or ...
by denovo
Mon Nov 12, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3406

Re: Can you suggest where to live if work at UCLA

I have a potential job at UCLA but I am not familiar with the area. If you were moving to this area, where would you look if you wanted to buy a home? What neighborhoods are good/safe/decent places to live? Can you tell me anything I need to know in terms of areas to look and areas to avoid and any...
by denovo
Sun Nov 04, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6333

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Time for a new car and have decided to splurge a little in our old age. We currently have a BMW series 3 with 110K miles and like it a lot. May even be doing European Delivery. Your take on 2019 MB E Class or BMW Series 5 or Audi 6?Just doing research now and will buy some time after the New Year. ...
by denovo
Sun Nov 04, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6333

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Time for a new car and have decided to splurge a little in our old age. We currently have a BMW series 3 with 110K miles and like it a lot. May even be doing European Delivery. Your take on 2019 MB E Class or BMW Series 5 or Audi 6?Just doing research now and will buy some time after the New Year. ...
by denovo
Sat Nov 03, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1909

Re: Credit card SurCharges

sport wrote:
Sat Nov 03, 2018 10:59 am
Now that you know about the policy, one way around it is (gasp!) a paper check. An alternative would be to find another shop and tell the old one why you will no longer be a customer.
Some small businesses do not accept checks.
by denovo
Fri Nov 02, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2267

Re: Typical house selling costs

Bogle7 wrote:
Fri Oct 26, 2018 12:55 pm
Figure on 8% for a new house.
No one smart pays 6% commission anymore
by denovo
Fri Nov 02, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4522

Re: Extreme credit card debt

Hi everyone. I've lurked here in the past but never posted. But I've got myself in some serious trouble and am looking for advice. I have $71k in credit card debt due to some bad decisions I made in the past trying to grow a side business. I'm totally out of the business now with no remaining asset...
by denovo
Tue Oct 30, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 4607

Re: Planning first international trip - London/Paris

My wife and I are planning our first international trip. We are planning on spending six full days in Europe the last week of April. We are flying non-stop from Atlanta to Heathrow airport. 1. What part of the city do you recommend staying? Is this walking distance to any major tourist areas? 2. Sh...
by denovo
Mon Oct 29, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 5301

Re: Should I co-sign for relative?

pennylane wrote:
Mon Oct 29, 2018 5:36 pm
Thanks everyone for the input.

What did you decide to do?
by denovo
Mon Oct 29, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6703

Re: Anyone else feel giddy every time VXUS gets creamed?

I don't get "giddy" at a falling market, as a falling market can have negative impacts on the economy and individuals. If the market continues to crater, your job may disappear, which would likely prevent any more equity purchases. I do see the falling market as a silver lining, and am glad that my...
by denovo
Mon Oct 29, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6703

Re: Anyone else feel giddy every time VXUS gets creamed?

hdas wrote:
Mon Oct 29, 2018 3:29 pm
This is apt to describe the sentiment of this thread

Image

+1
by denovo
Sat Oct 27, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Costco, Coursera...
Replies: 39
Views: 5608

Re: Vanguard, Costco, Coursera...

GerryL wrote:
Mon Oct 22, 2018 6:32 pm
Your local public library for books, ebooks, dvds, even streaming movies, and lots more.
My library allows me to get audiobooks and ebooks on my phone without my lazy butt even having to go to the library.
by denovo
Tue Oct 23, 2018 2:42 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1855

Re: What do you spend your money on outside of expenses and investments?

Plz wrote:
Tue Oct 23, 2018 2:30 am
denovo wrote:
Tue Oct 23, 2018 2:25 am
Everything you spend money on outside savings is an expense.
While I suppose this is technically true, I’m sure you understood the spirit of the question
The question is so overly broad. A lot of people have hobbies they like to spend money on. What do you do when you're not working?
by denovo
Tue Oct 23, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1855

Re: What do you spend your money on outside of expenses and investments?

Everything you spend money on outside savings is an expense.
by denovo
Tue Oct 23, 2018 1:38 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 27187

Re: PSA: Don't buy a big house

sunny_socal wrote:
Mon Oct 22, 2018 8:47 am
We just moved from CA to TX. We ended up buying a McMansion compared to what we had before:
- 4 BR, 4BA
- 3750 sq ft (Note: For many I'm sure this will still be 'small'...)

Do you use all 3,700 sq. ft or are there empty rooms?
by denovo
Mon Oct 22, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Privacy Protections for a Patient Death Preceding Passage of HIPAA
Replies: 7
Views: 896

Re: Privacy Protections for a Patient Death Preceding Passage of HIPAA

I am researching a relative (my late grandmother's sister) for purposes of constructing a family tree. My relative died in 1977. At the time of her death, she was a patient in a psychiatric hospital in PA. I am seeking information such as her spouse's name, whether there were any children, etc. My ...
by denovo
Sun Oct 21, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3341

Re: Why Purchase an Automobile using Premium Gasoline?

denovo, I do not know whether that is true in the context of Nissan Altima. After the 2006 model, the newer model like the 2014 Nissan Altima 3.5 does not use premier gas. I would assume that 2014 Nissan Altima 3.5 is at least as powerful as the 2006 Nissan Altima 3.5SL. KlangFool You wanted to com...
by denovo
Sun Oct 21, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3341

Re: Why Purchase an Automobile using Premium Gasoline?

denovo, I do not know whether that is true in the context of Nissan Altima. After the 2006 model, the newer model like the 2014 Nissan Altima 3.5 does not use premier gas. I would assume that 2014 Nissan Altima 3.5 is at least as powerful as the 2006 Nissan Altima 3.5SL. KlangFool You wanted to com...
by denovo
Sun Oct 21, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3341

Re: Why Purchase an Automobile using Premium Gasoline?

How many consider the type of gasoline an automobile uses when purchasing? Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience. What justifies the choice of significantly more expensive fuel other than simp...
by denovo
Sun Oct 21, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an apartment in China
Replies: 14
Views: 1717

Re: Buying an apartment in China

Makane wrote:
Sun Oct 21, 2018 12:21 pm
Hi all,


Me and my girlfriend seem to have found a nice deal


Did I miss something?
I would not recc. buying property with your girlfriend jointly if that is what you are planning on.