Search found 4366 matches

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: 1595

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: 324
Views: 93752

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: 9745

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: 7775

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: 324
Views: 93752

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: 62
Views: 7691

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: 324
Views: 93752

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: 9310

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: 938

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: 2257

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: 3997

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: 32
Views: 2202

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: 5733

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: 2621

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: 3215

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: 3215

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: 1288

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: 1286

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: 2030

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: 3215

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: 6120

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: 6120

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: 1817

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: 2201

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: 4322

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: 4307

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: 5047

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: 6331

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: 6331

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: 5452

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: 1750

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: 1750

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: 26110

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: 852

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: 3184

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: 3184

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: 3184

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: 1642

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.
by denovo
Sun Oct 21, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3184

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 12:30 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3184

Re: Why Purchase an Automobile using Premium Gasoline?

Nowizard wrote:
Sun Oct 21, 2018 12:28 pm
Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience.

Oh really, please tell me any cars that use regular, unleaded that can go 0-60 in less than 4.5 seconds?
by denovo
Sun Oct 21, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6142

Re: Pull kids from school for vacations?

I didn't realize this would be such a heated topic.
by denovo
Fri Oct 19, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax - Deliquency date
Replies: 11
Views: 897

Re: Property Tax - Deliquency date

FB01 wrote:
Fri Oct 19, 2018 6:54 pm
Hi,

I got my property tax bill. It says Due date Nov 1st and Deliquent after Dec 10th.

Does that mean that I can pay the amount anytime before Dec 10th and I will not be charged any penalty.....
yes
by denovo
Thu Oct 18, 2018 1:21 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3572

Re: Car servicing

jackal wrote:
Wed Oct 17, 2018 10:25 am
Own a 2010 Honda Civic and the dealer seems to keep finding new problems and each service runs me 500 or so. Thinking of switching dealers. Any suggestions on where to take my car? Currently I use a Honda dealer.
Thank you.
Stop going to dealers
by denovo
Tue Oct 16, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Help: Potential car lease fraud?
Replies: 6
Views: 1239

Re: Help: Potential car lease fraud?

I received a letter from a car dealer saying that my lease for a Ford Escape is about to expire, and I can return my Ford to their dealership instead of the one from which I originally leased the car. However, I have not and have never leased a Ford Escape or any other car, and I have never done bu...
by denovo
Sun Oct 14, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Application Form Ideas
Replies: 9
Views: 585

Re: Rental Application Form Ideas

Hey, a little while back I posted about renting a property and received some great feedback. I'm moving forward with the process (slowly) and am wondering if anyone has ideas on how to create a rental application form (basically a sheet for perspective tenants to fill out). If anyone has done this ...
by denovo
Sun Oct 14, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 11066

Re: Should we move to San Diego from east coast?

We are a young family and live in the east cost now and have family who live in San Diego. Whenever we go to SD we always think of moving there, the weather there is good almost most of the year. The part that makes us think more than twice is the real estate price and taxes. But on the other hand ...
by denovo
Sun Oct 14, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3361

Re: Formula for when to buy in bulk

There's another big issue with this kind of thinking, one that millions who believe that buying in bulk will save them money are overlooking: increased volume of goods leads to increased consumption of those goods . This is a well documented phenomenon. At some point, consumer reach a satiation poi...
by denovo
Sun Oct 14, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1820

Re: Home Depot Stock

willybiggs wrote:
Sat Oct 13, 2018 12:57 pm
HD is one of the great buy and hold stocks. I too have held mine since the early 90's. However it is in a tax deferred account.
Some said the same thing about GE, Sears, and Kodak at one time....
by denovo
Sun Oct 14, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7344

Re: Just Divorced -- Need Help [looking for new credit card]

My credit went from near perfect to mid 600s due to my divorce. I was awarded all of my ex-wife's credit card debt she racked up while we were separated. What is the best all around credit card I can transfer the balances to as I work to repair my credit? In a perfect world, I'd prefer the card hav...