Search found 3752 matches

by denovo
Tue Feb 20, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 18
Views: 1015

Re: House rewiring - cost of copper

Since your home was built in 1939, just sit back and hold tight and keep your money for things that break.
by denovo
Tue Feb 20, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 24
Views: 1399

Re: Multiple Offer situation/should we pull our offer?

My wife and I saw and bid on a house. Our buyer’s agent informed us that after speaking with the seller’s agent, they were taking all “best and final offers” due at 5PM today. We submitted an offer at 3:30pm at $2000 over asking and that it is our best, only and final offer. At 4:30 PM we received ...
by denovo
Tue Feb 20, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 24
Views: 1399

Re: Multiple Offer situation/should we pull our offer?

This is a strategy that sellers might use if they have a lot of interest in the property. What would be "bad faith" is if they seriously misrepresented something. It sort of (from a distance here...) sounds like perhaps your agent didn't know about the first deadline? But even if they changed the d...
by denovo
Tue Feb 20, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15559

Re: free dinner investing seminar

bsteiner wrote:
Tue Feb 20, 2018 6:15 pm
pkcrafter wrote:
Tue Feb 20, 2018 4:08 pm
...
Read the review by Kathy S. here. We can relate to Kathy! Long post about 1/4 way down

https://www.yelp.com/biz/peak-financial ... -roseville
Even Kathy S. who seems otherwise knowledgeable bought an investment-type annuity.
:oops: :oops: :oops: :oops:
by denovo
Tue Feb 20, 2018 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 29
Views: 4373

Re: Paying off $372000 mortgage in 12 months

I hope you are maxing out your 401k first.
by denovo
Tue Feb 20, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 34
Views: 1881

Re: Seeking Cruise Suggestions

I'm seeking cruise suggestions based on what I hope to find: - interesting ports of call, not typical of most vacationers (I've already visited most places typical to Americans in the Caribbean, Mexico, etc.) or challenging to reach via other travel methods, - attracts an over 40 crowd - not intere...
by denovo
Tue Feb 20, 2018 5:42 am
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1488

Re: To buy or not to buy in Boston for Investment

Hello: Married couple with a good salary and maxed out all our retirement, started a post tax account with 2K a month as well as putting money for kids in 529. Have a primary mortgage which is less than 10% of our take home salary. We decided to look for a nice second home/ investment. We have foun...
by denovo
Mon Feb 19, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: How does Billboard leasing work?
Replies: 12
Views: 5199

Re: How does Billboard leasing work?

I notice billboards less often than before. I feel like there are less of them around.
by denovo
Mon Feb 19, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell rental property?... and tax implication
Replies: 4
Views: 322

Re: Should I sell rental property?... and tax implication

I would say sell if you have credit card and 401k loan debt. 100 percent.

You may have to pay some taxes on the sale, but that should be the least of your concerns given your debts that are accruing interest.
by denovo
Mon Feb 19, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 46
Views: 3794

Re: Sams Club vs Costco

Just a point to make, you don't have to buy "upscale" things at Costco, they sell other stuff too.

I never buy wine, grey poupon, or brie from Costco.I buy ground beef, corn dogs, chips, and ketchup. :happy
by denovo
Mon Feb 19, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 14
Views: 635

Re: Switching from TDAM to VG implications

lazyday wrote:
Mon Feb 19, 2018 7:35 am
denovo wrote:
Mon Feb 19, 2018 6:30 am
They are just as good as the Vanguard ETF's and you won't have to pay a bunch of taxes.
SPDR (SSgA), iShares (Blackrock), Schwab, and maybe a few others do have some good ETFs but in most cases I wouldn't say "just as good".
Care to elaborate?
by denovo
Mon Feb 19, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Home owners insurance and household employees
Replies: 3
Views: 353

Re: Home owners insurance and household employees

Recently had knee surgery and am thinking of paying a friend's teenager to come over and do a few odd jobs such as walking the dogs and cleaning up the yard for the next few months. Do I need to do anything with my homeowner's insurance? I'm afraid of an event like my helper injuring himself on my ...
by denovo
Mon Feb 19, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 14
Views: 635

Re: Switching from TDAM to VG implications

Currently have all SPDR ETFs at TDAM. I'm trying to sell these and buy the vanguard equivalents in my VG account. Why do you want to sell the SPDR ETF's? Can you share the tickers? If they are the broad-market low-index funds one you should keep them. They are just as good as the Vanguard ETF's and...
by denovo
Mon Feb 19, 2018 4:51 am
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 14
Views: 635

Re: Switching from TDAM to VG implications

Wait hold on a sec. Are you holding VG ETF's at TD Ameritrade or other index funds or what?
by denovo
Mon Feb 19, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: I think we can swing this! ($1M retirement home)
Replies: 27
Views: 3255

Re: I think we can swing this! ($1M retirement home)

Will do, Sandtrap. Just wanted too make sure I wasn't missing anything before we pull that trigger. :beer Anybody else? Comments, criticisms ... Unless I am making a grave error and missing something huge, your expenses are 110k a year and if you both file for SS now, all your expenses are covered ...
by denovo
Sun Feb 18, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: I think we can swing this! ($1M retirement home)
Replies: 27
Views: 3255

Re: I think we can swing this! ($1M retirement home)

You have more than enough to not worry about a thing. I would spend a lot more than 110k a year in your shoes. Perhaps check out this other thread about 100k+ cars you can buy for ideas. :happy There are some really fun ones to drive.

viewtopic.php?f=11&t=241977
by denovo
Sun Feb 18, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Monthly Stipends (Now) to Future Heirs?
Replies: 10
Views: 1477

Re: Monthly Stipends (Now) to Future Heirs?

Thanks all for the thoughtful comments. Indeed my heirs have a wide spread in income levels. I accept the lifestyle creep of the lowest earners since regular help or aid is meant to salve life's difficult moments and if one makes not much higher than minimum wage there are frequent such moments. I ...
by denovo
Sun Feb 18, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Anyone watching Ari Melber's "The Beat"?
Replies: 9
Views: 911

Re: Anyone watching Ari Melber's "The Beat"?

"The Beat" has been on MSNBC only since July, but it's definitiely a welcome addition. Melber is a lawyer and he breaks down legal issues in a way that's educatonal. He's a man on a mission to bring order to the legal chaos we normally see on the news. My only nit is that he sometimes cuts off a gu...
by denovo
Fri Feb 16, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Hopefully SImple Question on Real Estate Taxation
Replies: 12
Views: 477

Re: Hopefully SImple Question on Real Estate Taxation

Hi all, About twenty years ago my father passed away. With part of the life insurance check, my mother bought my two siblings and I a condo. The house was put into all three of our names. We were 19, 17, and 15. We are selling the condo. In the twenty years since it was purchased, it has depreciate...
by denovo
Fri Feb 16, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2647

Re: Repairing Stucco: A Case of Contractor Gouging

So my question posed here is whether you people have ever suspected that the location of your home is a primary determinant of contractor pricing? If so, do you also suspect that there is collusion on some level to fix prices? Would this be actionable, either privately through some class action, or...
by denovo
Fri Feb 16, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 28
Views: 2538

Re: Transition from house to apartment

1. Sell home
2. Rent for a year and then decide.

Start throwing stuff out.
by denovo
Fri Feb 16, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 20
Views: 1402

Re: Amica reocurring double digit increases in homeowners insurance

Only way to know if you're getting a good deal or if Amica is ripping you off is to shop around.
by denovo
Fri Feb 16, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment new tires
Replies: 15
Views: 665

Re: Wheel alignment new tires

Op, by narrow tires, I assume you're talking about the sidewall thickness (i.e., low-profile) and not the width of the tread? 20k is unusual wear for tires. Has someone been jamming that acceleration? Depends on the tires. I ran ultra high performance summer tires only for over 10 years. Depending ...
by denovo
Fri Feb 16, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18666

Re: Do people still use AAA?

I'm a late comer to AAA, but have been happy with their service. Recently, I went to rent a car, and was blown away by their cost compared to what I was seeing from others. We got a midsize car from SNA (John Wayne Airport - Orange Cty) for $210 for 10 days. This was more than $90 less than what i ...
by denovo
Fri Feb 16, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment new tires
Replies: 15
Views: 665

Re: Wheel alignment new tires

20k is unusual wear for tires. Has someone been jamming that acceleration?
by denovo
Fri Feb 16, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2489

Re: USAA 41% More For Car Insurance

I have USAA, I agree they are rather high. I got a quote from Geico and was about to save ~50%! But before we finalized the deal, Geico noticed that I had a couple recent accidents (very minor fender benders.) All of a sudden the Geico quote was 30% higher than my existing USAA premium. I'm still w...
by denovo
Fri Feb 16, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2489

Re: USAA 41% More For Car Insurance

I got a quote from Geico and was about to save ~50%! But before we finalized the deal, Geico noticed that I had a couple recent accidents (very minor fender benders.) All of a sudden the Geico quote was 30% higher than my existing USAA premium. When you get a quote from GEICO, or any company for th...
by denovo
Fri Feb 16, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 148
Views: 9408

Re: I'm Cancelling My Home Insurance

TravelforFun wrote:
Fri Feb 16, 2018 2:26 pm
essbeer wrote:
Fri Feb 16, 2018 1:51 pm
I though homeowners insurance was usually required for umbrella insurance, car insurance too.
I'm not able to ascertain this yet. Will talk to my insurance company.

TravelforFun
All umbrella policies I know of require underlying autos and homes to have liability,
by denovo
Fri Feb 16, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2451

Re: Connecticut is charging sales tax on out of state purchases

Connecticut is now charging sales tax on out of state purchases. A lot of national retailers do charge CT sales tax if they have a business presence in a given state. (Walmart, Sears, LL Bean, Amazon, Orvis etc) But CT has contacted many out of state retailers and requested lists of merchandise and...
by denovo
Fri Feb 16, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 423
Views: 33079

Re: What frugal thing did you do today?

I've seen about 20 movies in the last 3 months for only $30 bucks.
by denovo
Fri Feb 16, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2489

Re: USAA 41% More For Car Insurance

No one here can answer that. I would shop 4 or 5 more companies to find out. You can get quotes online from all the major insurers.
by denovo
Fri Feb 16, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 401k Small-value Choice
Replies: 9
Views: 789

Re: Portfolio Review - 401k Small-value Choice

I think the best way of evaluating risk is to think about dollars. Let's say you have 120k in assets at a certain point and a bear market hits. NOV 2019: OP's portfolio $120,450. JAN 2020: $95,453 MARCH 2020: 83,223 NOV: 2020: $60,803 Poof, 50 percent is gone. And in real life, you probably will che...
by denovo
Fri Feb 16, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: Direct Primary Care-Anyone use it?
Replies: 11
Views: 952

Re: Direct Primary Care-Anyone use it?

Anyone have experience with this? The description of your service sounds like concierge medicine. Wonder why your physician called it direct primary care instead, new marketing term? Concierge medicine or MDVIP has been discussed on endless threads on Bogleheads. https://www.google.com/search?sites...
by denovo
Thu Feb 15, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Question
Replies: 1
Views: 265

Re: Home Insurance Question

100 percent go for Replacement Coverage. Homes depreciate in value. http://www.thetruthaboutinsurance.com/replacement-cost-vs-actual-cash-value/ Let’s say, for example, your $200,000 home burns down as a result of an electrical fire caused by your clothes dryer. How you would be reimbursed differs b...
by denovo
Thu Feb 15, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Friend with extremely high interest credit card debt
Replies: 20
Views: 1491

Re: Friend with extremely high interest credit card debt

I have a friend with $14,000 in credit card debt at extortionate interest rates, like 30%+. She works two jobs and makes $30,000/yr, no kids to worry about, no savings. The root of her problem is she spends too much, which I've tried and will continue to address. But I've avoided credit cards my wh...
by denovo
Thu Feb 15, 2018 4:57 am
Forum: Investing - Help with Personal Investments
Topic: Is VTI really "total stock market" with only 1478 holdings?
Replies: 12
Views: 1734

Re: Is VTI really "total stock market" with only 1478 holdings?

Well, then big egg on my face. I was looking at www.etfdb.com. I don't know how to insert images, but here are the links. Am I missing something? http://etfdb.com/etf/VTI/#holdings http://etfdb.com/etf/VXUS/#holdings Primary sources are generally more accurate than secondary sources like databases.
by denovo
Thu Feb 15, 2018 4:40 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1058

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

The repair guy came, and said the problem is the transmission (kudos to dudley and btenny for predicting this). Repair cost would be just under $600. I originally purchased the washer for $720. He said to skip the repair and just run the washer until it dies. And then buy a Speed Queen. His visit c...
by denovo
Wed Feb 14, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6487

Re: PSA: Bank of America now charges $12/month for checking

I guess there's some new policy at BofA, I was hit with a $12 fee from my checking account. I was no longer using the account and only kept $300 in savings to avoid monthly fees. Now I was charged the $12 checking fee and a $12 fee for pulling money from the savings to cover the overdraft. And I'm ...
by denovo
Tue Feb 13, 2018 4:39 am
Forum: Personal Finance (Not Investing)
Topic: Co-investment with parents and sibling jealosy [Home construction]
Replies: 22
Views: 2178

Re: Co-investment with parents and sibling jealosy

I agree with the siblings for a couple of reasons and think this is a bad idea. 1. A complete tear-down and rebuild with two units with the requisite permits could easily take 18 months for which they will need to pay for new living arrangements. 2. Like most people doing this kind of extensive remo...
by denovo
Mon Feb 12, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property
Replies: 15
Views: 1012

Re: Selling a rental property

Factor in the commision you are saving + 1-3 months it is is empty and you are paying for taxes, mortgage and insurance while you are looking for a new buyer.
by denovo
Mon Feb 12, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6604

Re: Day trading for a living/career?

Many of them will have mathematical and investing related degrees from the top schools and they may have decades of experience. They also have full time staff to assist them and they trade as a team. Companies are also experimenting with artificial intelligence to trade stocks that can not only use...
by denovo
Mon Feb 12, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 24
Views: 2224

Re: Costco 'Goodyear' wiper blades

I remember buying these and then returning them before use because they got really bad reviews.
by denovo
Mon Feb 12, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5219

Re: Are REITs essentially taboo for years now with rising rates?

I'm not sure who created the wiki page, but they don't invest in shopping centers. They own free standing single use/tenant buildings. Check out the investor fact sheet: https://www.realtyincome.com/investors/investor-presentation/default.aspx [/quote] Shopping center =/shopping mall. Shopping cent...
by denovo
Mon Feb 12, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3741

Re: Home buying: how to send postcards to neighborhood we want to live in?

After souring on the Realtor profession once again, I fired our buyer rep. I’d like to prospect our target neighborhood with a nice photo postcard of our family that introduces us and politely asks if they’re thinking of selling. How would I go about compiling a list of mailing addresses in the nei...
by denovo
Sun Feb 11, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Good companion card to Quicksilver?
Replies: 14
Views: 516

Re: Good companion card to Quicksilver?

Regarding the Citi Double Cash card, I do recall looking at it a while back and the main reason I didn't find it appealing is that even though the 0.5% difference can be significant in the very long term, it basically obviates the Quicksilver, relegating it to a backup in case the Citi card is lost...
by denovo
Sun Feb 11, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5219

Re: Are REITs essentially taboo for years now with rising rates?

I've commented on here about O which has almost Buffett like returns since 1994. However with rates going up it's gone from $67 to $47 in no time at all with likely more pain to come. How long until REITs may again become good DCA options? I just checked, realized O is the ticker for Realty Income ...