Search found 4427 matches

by denovo
Sat May 30, 2020 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Airline refusing to issue refunds
Replies: 121
Views: 11033

Re: Airline refusing to issue refunds

I'll note if UA is that hard up for cash, offering a substantial bonus (20%+) on a voucher as well as removing expiration dates on the vouchers during this period would probably help them quite a bit. As it is they are trying to keep your money at a 0% loan and then hope you forget about it and the...
by denovo
Sun May 24, 2020 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off- New Job Offer Advice!
Replies: 19
Views: 2021

Re: Laid Off- New Job Offer Advice!

Hey All, Like many others, my job was recently displaced by Covid-19 economic impacts. I received a small severance and am fortunate to have a healthy emergency fund (thanks to the sage advice of folks on here). I've done my best to stay positive amidst the new reality of being unemployed for the f...
by denovo
Sun May 24, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 79
Views: 3279

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Hello, I am currently, during this COVID 19 pandemic, trying to purchase a brand new 2020 BMW X3 sDrive 30i. I went to two dealerships already and they offered me some numbers. I'll just list the better deal here. please see below. Thank you. OP, unfortunately you have gotten a lot of unhelpful rep...
by denovo
Sun May 24, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 79
Views: 3279

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

I had good luck with Costco pricing. But I would never buy a BMW. Costco pricing is just rebranded TrueCar. TrueCar doesn't provide good pricing and has been discussed ad naseum on this site. https://www.bogleheads.org/forum/viewtopic.php?t=270605 https://www.bogleheads.org/forum/viewtopic.php?t=16...
by denovo
Fri May 08, 2020 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Dealer won’t give back car titled in my name, how to proceed?
Replies: 71
Views: 5760

Re: Dealer won’t give back car titled in my name, how to proceed?

Back in March I was helping younger brother do taxes and noticed he was eligible for $530 savers credit if he put $1060 in Ira. Hew was unable to come up with $1060 so I funded his Ira with agreement that he would pay me when he got his tax return. In an effort to keep him accountable he signed the...
by denovo
Thu May 07, 2020 3:05 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11146

Re: All my friends are outperforming index funds

I keep trying to convince my friends about the value of low-cost index investing. For the most part they are not really financially savvy and rarely even invest at all. But what little investing they have done the past 3 months has outperformed the market. This from people who know almost nothing a...
by denovo
Thu May 07, 2020 3:01 am
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16242

Re: Neighbor’s contractor wants to access our property

Kagord wrote:
Tue May 05, 2020 1:32 pm
ponyboy wrote:
Tue May 05, 2020 1:21 pm
Is this going to be one of those threads that lives on until the project is complete...so for the entire summer?
Maybe, it depends if the OP discovers a locked floor safe encased in concrete in their closet that becomes exposed during the construction compaction.
META
by denovo
Sun May 03, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Lease is up--what would you do?
Replies: 57
Views: 5710

Re: Lease is up--what would you do?

In contrast, neither my SO or I have ever had a worse landlord in our combined over 38 years of renting. That's a good argument for leaving at the end of your lease, and not dealing with her further. each time we've proposed a compromise between what each side has asked for, her response has been t...
by denovo
Sat May 02, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 227
Views: 31461

Re: Car Dealers not really wanting to make a deal

Does your local dealer offer the Costco deal? For our last three cars over the last 15 years we called the dealer and asked if they will match or do better than the Costco program. We are shown the invoice and pay no more than 500 over invoice, which is usually substantially lower than the MSRP. No...
by denovo
Sat May 02, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16242

Re: Neighbor’s contractor wants to access our property

We had a similar request with a neighbor. They requested access to our land next to a house to access their property for the convenience of their contracted construction. The contractor damaged our building, land, garden, and a fence. They disappeared and refused to respond to any request to resolv...
by denovo
Sat May 02, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16242

Re: Neighbor’s contractor wants to access our property

They have been planning this addition for almost a year and had to get a lot coverage variance for it that took more than eight months and caused a lot of drama (we remained neutral throughout the process). At no time did they discuss the need to access our property. They have a driveway on the oth...
by denovo
Sat May 02, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Lease is up--what would you do?
Replies: 57
Views: 5710

Re: Lease is up--what would you do?

I'll enter a counterpoint here. So far nothing you've said about your landlord is atypical to me. I've heard much worse for landlords. Her motives are pretty clear. Of course she wants you to stay at the home. You pay your rent on time. All she wants is a 12 month lease so she doesn't have to fix u...
by denovo
Sat May 02, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lease is up--what would you do?
Replies: 57
Views: 5710

Re: Lease is up--what would you do?

Thanks all. Thought I'd come back with an update. The balance keeps leaning towards tenant's rights at this time, and although I don't practice landlord-tenant law I am no slouch at interpreting the law and in litigation strategy. Fortunately, New Jersey is relatively tenant-friendly even before th...
by denovo
Sat May 02, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lease is up--what would you do?
Replies: 57
Views: 5710

Re: Lease is up--what would you do?

Thanks all. Just as an update, we decided to offer her a 6-month lease that includes a 60-day right to terminate with notice. Shockingly, she didn't accept. She is still demanding a 12-month lease, although it sounds like she is ok with the 60-day right to terminate with notice (I have to confirm t...
by denovo
Sat May 02, 2020 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Who owns the IP - School or Me?
Replies: 23
Views: 2541

Re: Who owns the IP - School or Me?

Maybe I'm mixing up my terminology. I provided my professor a report for a class project. The report contained some IP. Because of IP within the report, I placed a copyright notice on the front page saying that it cannot be shared with a third party, but can be used for official school use to deter...
by denovo
Fri Apr 24, 2020 12:08 am
Forum: Personal Consumer Issues
Topic: Tire Mileage Warranty - what's it worth?
Replies: 24
Views: 1474

Re: Tire Mileage Warranty - what's it worth?

I have a similar tire (Kinergy PT) on my VW Sportwagen and think they're great. I likely have 90k warranty on my size/speed rating, and I used to use their previous version (H737) of these tires without issue. Bummer they didn't work out for you. Perhaps the PT is the sweet spot vs the GT model. I ...
by denovo
Wed Apr 22, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: Budget for Home Upgrades and Maintenance Reserve Fund?
Replies: 23
Views: 1261

Re: Budget for Home Upgrades and Maintenance Reserve Fund?

There is no way someone can reasonably answer your questions without knowing a lot more details on what kind of house, size of house, market location, etc. A roofing job with 3-tab asphalt shingles where I live might cost $1k total. A clay tile job on a large house in the beverly hills area might c...
by denovo
Wed Apr 15, 2020 1:43 am
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2526

Re: At what point is it necessary to cut down dead trees?

Figaro wrote:
Tue Apr 14, 2020 10:34 pm
Call up your utility company. They are more interested in being sure the tree doesn't ruin their infrastructure. They will do it for free.
I doubt this
by denovo
Mon Apr 13, 2020 8:57 am
Forum: Personal Finance (Not Investing)
Topic: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?
Replies: 31
Views: 2691

Re: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?

Happy Easter All. Finance calculator says take the 0%/5 year financing which I am inclined to do so but want to confirm and get other perspectives. Thanks in advance. The $30K funds to pay cash for the car are presently in a high yield 1.5% savings account which could likely continue to gravitate d...
by denovo
Mon Apr 13, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: REIT *funds* not akin to owning Investment Property
Replies: 53
Views: 3442

Re: REIT not akin to owning Investment Property

REITs are a lot like owning real estate, if you hire a property management company. When you control for issues, like the level of leverage, types of property, and stale pricing, you would expect privately owned rental returns to be highly correlated with REITs. To use the analogy of starting your ...
by denovo
Mon Apr 13, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: When do you walk away from whole life insurance?
Replies: 31
Views: 3560

Re: When do you walk away from whole life?

Hi BH. Long-time reader/first-time poster here. My wife and I purchased life insurance through Northwestern Mutual, term and whole life, in 2017. We are very young (31) and have no children. It's clear I made every mistake possible when I agreed to buy whole life. To be honest, I still don't really...
by denovo
Mon Apr 13, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Just how easy is owning real estate if you have a property manager? (super easy, or just “less hard”)?
Replies: 51
Views: 4584

Re: Just how easy is owning real estate if you have a property manager? (super easy, or just “less hard”)?

I like the idea if diversifying into real estate to get leverage. However, I know for a fact that I would hate being a landlord, and would absolutely use a property manager. Obviously, having a property manager makes owning a rental property easier , but I want something that is easy in absolute te...
by denovo
Tue Mar 31, 2020 11:52 pm
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 99
Views: 9380

Re: Thinking I should go car shopping amidst the panic

Why do you think a car dealer would agree to a below market deal? Because for them, they would rather get some cash flow and take a small loss than be sitting on inventory that they're paying a great deal of interest on. I don’t know the interest rate that they’re paying. I would have thought it wo...
by denovo
Sun Mar 22, 2020 8:53 pm
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 207
Views: 17101

Re: Selling 100% stocks on a bounce

Investors who are short sighted will say that it's too late to sell because of the recent crash. The reality is that in my case, it's equivalent to moving to a much safer allocation after gains in 2016. Investors who are short sighted also rationalize their panic selling in down markets. +1 +10
by denovo
Thu Mar 19, 2020 3:23 am
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 99
Views: 9380

Re: Thinking I should go car shopping amidst the panic

CULater wrote:
Mon Mar 16, 2020 12:37 pm
Wondering if the car dealers are starting to hurt. Seems logical that fewer people would be in the mood to be car shopping now. I'm considering hitting some dealers and throwing a lowball offer at them for something. What do you think?
viewtopic.php?t=124638
by denovo
Wed Mar 11, 2020 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 75
Views: 9470

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

Again, I dropped all insurance when I bought the house. I paid case for it. I looked at the stats, non smoker, don't use the fireplace, no kids around. I bought the place in 2006 and dropped in 2008. Personally I don't care if it burned down or not. I would loose 160K and give it to the city. NOT l...
by denovo
Mon Mar 09, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: Dealer wants $350+tax for repair. Doesn't seem right... I believe it is a warranty issue
Replies: 40
Views: 2129

Re: Dealer wants $350+tax for repair. Doesn't seem right... I believe it is a warranty issue

My fiancee's car (2013 Nissan Sentra SR, 65k miles) threw an check engine light over the weekend. The code is a P0101. I researched the code and found this is an issue with the PCV valve (please see TSB NTB16-027a https://static.nhtsa.gov/odi/tsbs/2016/SB-10091508-2280.pdf ). Replacing the part is ...
by denovo
Sat Mar 07, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Citi Costco Visa - preferential contact center agents?
Replies: 3
Views: 638

Re: Citi Costco Visa - preferential contact center agents?

Costco does a negotiation every couple of years, until 2016 they had an exclusive partnership with American Express. Now it's Visa. Citi has the exclusive branding for Costco cards. https://www.marketwatch.com/story/5-things-to-know-about-the-costco-and-amex-breakup-2016-02-11 I wouldn't be surprise...
by denovo
Wed Feb 19, 2020 12:11 am
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12373

Re: Potential sue - Loss of money

Joe, I found the CCnR in my closing paperwork and it says that I must get approval from the Architecture Committee but given, we don't have a HoA - Who enforces CCnR ? Is it the county ? Who do I contact to even get approval for any architecture changes ? The CCnR document doesn't list any company ...
by denovo
Tue Feb 18, 2020 2:51 am
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12373

Re: Potential sue - Loss of money

confusedinvestor wrote:
Tue Feb 18, 2020 12:47 am
Covenants, Conditions & Restrictions (CC&Rs) board.

I have never heard of this and familiar with CA. Do you periodically vote for a Board of any sort? I don't see how you can have CCR's without an HOA.....
by denovo
Sun Jan 05, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: New Landlord: Have leases assigned or new ones?
Replies: 4
Views: 450

Re: New Landlord: Have leases assigned or new ones?

I recently became the owner of land leased to tenants with mobile homes. The tenants are all on 30 day leases signed long ago with the previous owner. I'm in a rural area of a landlord-friendly state. Is it important to have the leases formally assigned to us or get new leases signed? My question c...
by denovo
Fri Jan 03, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: Coincidence, or something more sinister?
Replies: 14
Views: 2431

Re: Coincidence, or something more sinister?

No coincidence. You’ve had multiple things exposed. The thieves act fast in nationwide networks and/or sell the data. It may not be over. Think hard about any instances where all these facts may have been combined in a transaction. +1 No coincidence. Update all your passwords. Start using 2FA, chec...
by denovo
Mon Dec 30, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5801

Re: Has anyone done Whole 30?

JoeRetire wrote:
Sun Dec 29, 2019 8:03 am
Cue the flood of fad diet preferences...
+1
by denovo
Sun Dec 22, 2019 11:54 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 533
Views: 143227

Re: My New Car Buying Tips

The dealers know everyone price shops and does business over the internet. He offered to give me internet pricing ===================== Toyota Finance Services is offering $1,000 cash back if you finance with them. I'm paying cash, but didn't want to pass up $1,000. Two questions. 1. What did the d...
by denovo
Fri Dec 20, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3179

Re: Strategy to work a deal when buying a car

KyleAAA wrote:
Tue Dec 17, 2019 2:02 pm
bob60014 wrote:
Tue Dec 17, 2019 8:05 am
KyleAAA wrote:
Mon Dec 16, 2019 7:02 pm
I've never played the email game; too time consuming and the results aren't any better.
How would you know?
Data.
Sure.
by denovo
Fri Nov 29, 2019 6:36 pm
Forum: Investing - Theory, News & General
Topic: Why do capital markets generally go up?
Replies: 14
Views: 1095

Re: Why do capital markets generally go up?

AZW20 wrote:
Fri Nov 29, 2019 4:41 pm
Why do capital markets generally go up?

They don't. This is called recency and home country bias.
by denovo
Fri Nov 29, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88433

Re: Found hidden safe, should we crack?

The suspense is killing me.
by denovo
Fri Nov 29, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 79
Views: 10327

Re: Why I love banks

What kind of useful perk is free checks? I don't think I write more than 5 checks a year. Isn't it 2019?

Btw, Walmart will let you get about 150 checks for $8.50. I ordered checks about 5 years ago and I expect I will die before using them all.
by denovo
Fri Nov 29, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 533
Views: 143227

Re: My New Car Buying Tips

I think this approach stands out from the thousands of email the dealers get thru from various websites. Atleast the sales person knows I am a serious buyer who is willing to give a call instead of sending mass emails. Agreed. There shouldn't even be an argument that directly contacting the dealer ...
by denovo
Sat Nov 09, 2019 6:35 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 16309

Re: Spend It All vs. Leave $$ for the Kids

I find it hard to believe why parents would not want to leave anything to their kids once they are financially (more than enough) independent. 1789, For a very simple reason that those parents do not believe that will help their kids. My family history of 2,000+ years had proven that. KlangFool You...
by denovo
Sat Nov 09, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 7094

Re: Was I ripped off at the car dealership?

I went in for a routine oil change. They showed me an oil stain that I had under the oil pan and told me that the oil pan gasket needed to be changed. I was told this is a three hour job and they charged me $400. The guy told me it was 350 and then come to find out, it was 400. He said the 350 was ...
by denovo
Mon Nov 04, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Permit Pulled Without My Knowledge
Replies: 14
Views: 2297

Re: Permit Pulled Without My Knowledge

What does your lawyer say about this? Is it standard practice to use a lawyer in OP's state when selling a home? Yes, it is required. The buyer typically selects the closing attorney in my state. In my case the buyers did select the attorney. You should direct the question to him or her then, my gu...
by denovo
Mon Nov 04, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of Leaving Biglaw (current midlevel) - Things to Consider
Replies: 13
Views: 3127

Re: Thinking of Leaving Biglaw (current midlevel) - Things to Consider

I'm currently a fifth year at a biglaw firm and the lifestyle is getting to me. My wife and I are looking to start a family and so I'm looking at the possibility of moving in house in Spring of 2020, which will come with a substantial paycut. My current base is $255k, going up to $280k in January. ...
by denovo
Mon Nov 04, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Permit Pulled Without My Knowledge
Replies: 14
Views: 2297

Re: Permit Pulled Without My Knowledge

UpperNwGuy wrote:
Mon Nov 04, 2019 10:04 pm
What does your lawyer say about this?
Is it standard practice to use a lawyer in OP's state when selling a home?
by denovo
Tue Oct 22, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13523

Re: Ok to go without health insurance?

DiehardDoc wrote:
Tue Oct 22, 2019 10:44 am

Worst case scenario: In case need arises, will have to purchase health insurance at a short notice. Can do it any time of the year and will not have to wait until open enrollment as will be purchasing through corporation.

This doesn't seem accurate.
by denovo
Fri Oct 18, 2019 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Legacy/Inheritance
Replies: 61
Views: 7186

Re: Legacy/Inheritance

I'm seeking thoughts on how to handle my children's inheritance. Through mostly un-deserved and random good fortune, I am in the position of leaving my 3 children(ages 26,24,20) around $16 million each. I'm struggling with the following: 1. When to reveal? 2. When and how much to give them? 3. When...
by denovo
Sun Sep 29, 2019 12:57 am
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 3191

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

Which credit cards (without annual fees) still have good extended warranty, trip insurance, and rental car coverage?
by denovo
Sat Mar 23, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Lease a car or buy a car
Replies: 49
Views: 4037

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...