Search found 3501 matches

by denovo
Tue Dec 05, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 66
Views: 5791

Re: Dad Needs Help Buying Wedding Liquor

No tequila?????????
by denovo
Tue Dec 05, 2017 4:48 am
Forum: Personal Consumer Issues
Topic: Week in San Diego over Christmas
Replies: 17
Views: 1096

Re: Week in San Diego over Christmas

You're not too far from Disneyland, the happiest place on Earth. Only 90 minutes away. I would put this on the top if the kids have never been.
by denovo
Tue Dec 05, 2017 4:39 am
Forum: Personal Finance (Not Investing)
Topic: Potential New Job Offer and COL
Replies: 11
Views: 1210

Re: Potential New Job Offer and COL

My advice is to focus on the big picture. Taxes and housing costs are likely the biggest changes or x factors. Create dummy returns to see how much your state taxes would go up or down and consider property taxes if you're an owner. Housing is a bit harder, what are equivalent neighborhoods? I figur...
by denovo
Mon Dec 04, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3499

Re: housing for in-laws

Thank you all for the thoughtful responses. I have read and reread them all. To clarify, they have been with us on and off since my kid was born, so this is more like year 5. This is just the longest continuous stretch and why I have hit my limit. Yes they are preparing large meals, and the sharing...
by denovo
Sun Dec 03, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3159

Re: Card declined - blocked country

A random google turns up one bank's listed of blocked countries: https://www.alabamacu.com/FAQs/ID-Theft-Protection/Blocked-Countries-for-MasterCard-Transactions. Quite the list. Might be easier if Alabama CU listed the handful of countries where its card is accepted. Or got out of the c/c business...
by denovo
Sun Dec 03, 2017 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Why was my 2016 tax so low?
Replies: 19
Views: 2132

Re: Why was my 2016 tax so low?

E.g., Form 1040 with $51,377 for line 7 and $1,104 for lines 9a and 9b would give exactly what you describe. Other combinations of numbers and lines are also feasible. Could you tell me the math behind that? Thanks. The brackets you used to make your by-hand calculations are for ordinary (e.g. wage...
by denovo
Sun Dec 03, 2017 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Why was my 2016 tax so low?
Replies: 19
Views: 2132

Re: Why was my 2016 tax so low?

Teacher credit for supplies purchased?
by denovo
Sat Dec 02, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Verizon, Insurance Question
Replies: 7
Views: 544

Re: Google Pixel 2 Verizon, Insurance Question

Anyway, they asked to add insurance for $11.00 per month and I declined. I thought this was a rip off and didn't get it. Do you also skip the insurance? YES. All consumer extended warranty/insurance products are garbage. All of them. Only insure things that will lead to catastrophic loss and liabil...
by denovo
Sat Dec 02, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6626

Re: How to convince DW that high miles used car is OK

At our stage of life, we are well served by older cars. My wife is just fine with purchase of an older car, but balks at getting one with, say, 150,000 miles on it - even though the purchase price is low and is something like a Toyota - that would likely run for many more miles. Any suggestions? I ...
by denovo
Fri Dec 01, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 19235

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

tludwig23 wrote:
Fri Dec 01, 2017 7:29 pm
It's not a Ponzi scheme.

A Ponzi scheme is a fraudulent investment. Bitcoin is not fraudulent. It is a risky investment, and may depend on the "great fool" theory of price increase, but it doesn't meet the definition of a Ponzi scheme.

+1
by denovo
Thu Nov 30, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2012

Re: Safes

My goal is to delay rather than necessarily defeat any burglary attempts ( How does a safe delay them? They don't need to unlock it while on the premises. They can take it with them. You bolt them down from inside. Still not a huge delay. That's correct. You can bolt them to the foundation. That ma...
by denovo
Thu Nov 30, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2012

Re: Safes

GmanJeff wrote:
Thu Nov 30, 2017 1:55 pm
My goal is to delay rather than necessarily defeat any burglary attempts (

How does a safe delay them? They don't need to unlock it while on the premises. They can take it with them.
by denovo
Wed Nov 29, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7128

Re: Does it make sense to drop health insurance?

Sad to say it probably makes sense to drop it. Some people, including many otherwise rationale people on this site, will never consider going without no matter the costs. I can’t justify that. Look into asset protection for a complete picture. Health care costs could never ruin me because much of m...
by denovo
Wed Nov 29, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7128

Re: Does it make sense to drop health insurance?

Sad to say it probably makes sense to drop it. Some people, including many otherwise rationale people on this site, will never consider going without no matter the costs. I can’t justify that. Look into asset protection for a complete picture. Health care costs could never ruin me because much of m...
by denovo
Wed Nov 29, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7128

Re: Does it make sense to drop health insurance?

fredflinstone wrote:
Wed Nov 29, 2017 1:27 pm
Just a quick note to thank everyone for their thoughts. There is an incredible depth of knowledge on this site.

Do you have a million dollars that you are willing to set aside and lose because of health care expenses? If no, stay insured.
by denovo
Wed Nov 29, 2017 3:07 am
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 147
Views: 15126

Re: A good friend has nearly $1M in BitCoin what do I tell him?

Unsolicited financial advice is a good way to annoy people.
by denovo
Tue Nov 28, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 133
Views: 11913

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

I betcha a nickel, even money, that they don't put any of these new funds in their Target Retirement or LifeStrategy funds. Let's see.......it's been about four years since the introduction of international bonds. I can see it now: Your new Life Strategy fund will still be 80% indexed, but we've de...
by denovo
Tue Nov 28, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: LCOL vs HCOL real estate - which is the better buy?
Replies: 13
Views: 1135

Re: LCOL vs HCOL real estate - which is the better buy?

With lcol your opportunity for land appreciation is much reduced. Without the potential for land appreciation real estate isn’t a very good investment You don't need appreciation if you are getting high enough rents. To some extent LCOL and HCOL investors are playing different games. HCOL depends o...
by denovo
Tue Nov 28, 2017 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5143

Re: Inheriting a large sum, slightly intimidated.

2. Tell nobody. I second this advice, but at the end of the day, I think depending on how you end up spending your windfall, people are going to find out. If a police officer suddenly goes and buys a $60,000 sports car and buys a new home in the good area of town, his co-workers and relatives aren'...
by denovo
Tue Nov 28, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5143

Re: Inheriting a large sum, slightly intimidated.

2. Tell nobody. I second this advice, but at the end of the day, I think depending on how you end up spending your windfall, people are going to find out. If a police officer suddenly goes and buys a $60,000 sports car and buys a new home in the good area of town, his co-workers and relatives aren'...
by denovo
Tue Nov 28, 2017 12:37 am
Forum: Investing - Theory, News & General
Topic: LCOL vs HCOL real estate - which is the better buy?
Replies: 13
Views: 1135

Re: LCOL vs HCOL real estate - which is the better buy?

Best buy to worst buy.

1. LCOL area that becomes HCOL or VHCOL
2. HCOL that becomes VHCOL.
3. HCOL that stays HCOL.
4. LCOL that stays LCOL.
5. HCOL that becomes LCOL.
by denovo
Tue Nov 28, 2017 12:32 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 34
Views: 5179

Re: BOGLEHEADS 2017 VIDEOS

I watched the two Jack Bogle videos from 2017. They were pretty interesting, it's good for people like me who are to cheap to travel to Philadelphia.*


* I would reconsider if it was in Vegas.
by denovo
Tue Nov 28, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my GF with her Oppenheimer 403(b)...
Replies: 44
Views: 3980

Re: Help me help my GF with her Oppenheimer 403(b)...

Look on the school district's website for the list of 403b providers. Google may help you. If you can't find it, call the district's HR office. There's usually half a dozen to as many as 50 (?!?) providers on the list. Most are usually insurance companies, some are expensive mutual fund companies l...
by denovo
Tue Nov 28, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Moto X4 through google fi offering $100 credit
Replies: 11
Views: 971

Re: Moto X4 through google fi offering $100 credit

I have a G4. I like the specs on the X4 a lot. Near flagship like features for a better price. I am not sold on Project FI. I prefer to stay on Verizon or AT&T due to coverage gaps. Yup. FI uses a combination of T-Mobile and Sprint Towers. If you live in areas where neither network is good, FI isn'...
by denovo
Tue Nov 28, 2017 12:13 am
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7775

Re: CNBC says Vanguard says 70% Chance of "Correction"

greg24 wrote:
Mon Nov 27, 2017 2:05 pm
I buy Vanguard funds for their low costs and quality products.

I do not listen to Vanguard market prognostications.

+50
by denovo
Mon Nov 27, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 refund
Replies: 8
Views: 1471

Re: Tesla Model 3 refund

Today I cancelled my Tesla model 3 reservation. As per Tesla, refund will process in 30-60 business days which means close to 3 months. With a company burning $1 billion every quarter in cash, this refund time frame does not instill any further confidence. Why do you need confidence in the company ...
by denovo
Mon Nov 27, 2017 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 25867

Re: Currently have $700,000 at 26 years old get $100,000 a year

Where is the $100,000 coming from? Is it just money to given you at discretion or part of some trust? You mentioned something about 3 million? Is that something separate from the income? Is there any chance you will be cut off? Is there a financial adviser or trustee involved in handling any of your...
by denovo
Mon Nov 27, 2017 5:13 am
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 20
Views: 1093

Re: Google Project Fi - "Device Protection" problem

I would be filing a complaint with the PA Attorney General/Office of Consumer Protection, which I am doing tomorrow. Based on results of consumer problems in the past, I think there is a reasonably good chance this will result in me getting reimbursed for the new handset (less the deductible) but y...
by denovo
Sun Nov 26, 2017 2:58 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10707

Re: Didn't buy Bitcoin at $4600

I was sitting in a cafe a couple of months ago, I didn't buy Bitcoin when it was $4600 per Bitcoin. I even had my bank info authenticated the few days prior. I think my PC battery died and I went to the gym instead. I don't really need the money, but I'd be lying if I said I don't feel a twinge of ...
by denovo
Sun Nov 26, 2017 2:55 am
Forum: Personal Finance (Not Investing)
Topic: Breaking up with USAA--banking alternatives welcomed
Replies: 36
Views: 7759

Re: Breaking up with USAA--banking alternatives welcomed

I have banking relationships with USAA, Navy Federal, PenFed, and Ally. I have credit card and loan relationships with USAA, Navy Federal, Citi, and Barclays. You don’t have to take a vow to use USAA for all things for all time. I have 0 loyalty to any financial institution. I am just a number on a...
by denovo
Sat Nov 25, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5556

Re: Etiquette question: Paying for meals out & out of town guests

Are these friends? Relatives? When you have gone out together before what was the custom?
by denovo
Fri Nov 24, 2017 5:29 am
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 34
Views: 2181

Re: How difficult and expensive to add a new bathroom?

All of this is fantastic advice and knowledge. Thanks a ton to everyone for responding! Summarizing so far, the numbers indicate this is worth at least looking into further. At $75k to $200k, it would be 5% - 15% of a $1.4M home. Seems like the factors that could complicate or make this infeasible ...
by denovo
Fri Nov 24, 2017 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Note Buying
Replies: 12
Views: 2296

Re: Mortgage Note Buying

I figure banks can better assess risk and return than me, so I'll never do this. I think it's like a table, if you don't know who the sucker is , it's you.
by denovo
Fri Nov 24, 2017 5:19 am
Forum: Personal Finance (Not Investing)
Topic: recent fire in parent's house - what to do?
Replies: 9
Views: 1200

Re: recent fire in parent's house - what to do?

3. What else should we be doing to recoup the losses? What other loopholes or things might the insurance company try to trick us into paying more money? Does the policy have loss of use coverage? That will pay for a hotel/rental while the home is repaired. Also another thing to consider, how old wa...
by denovo
Fri Nov 24, 2017 5:17 am
Forum: Personal Finance (Not Investing)
Topic: recent fire in parent's house - what to do?
Replies: 9
Views: 1200

Re: recent fire in parent's house - what to do?

1. Reading online, recommendations say to get a good public adjustor and read policy, which we are planning to do. The question is, how do you know who is a good public adjustor (or do you just hope)? I think with like any service, good referrals from people you trust is a nice start. If you ask ar...
by denovo
Fri Nov 24, 2017 5:00 am
Forum: Personal Finance (Not Investing)
Topic: recent fire in parent's house - what to do?
Replies: 9
Views: 1200

Re: recent fire in parent's house - what to do?

2. The insurance folks are hitting their house (worth probably 230k on market) with an about 80k depreciation (our insurance is covering actual cost value). That seems pretty significant depreciation to me, but didn't know if that was reasonable? I am not sure what your comment above means. The ins...
by denovo
Fri Nov 24, 2017 4:59 am
Forum: Personal Finance (Not Investing)
Topic: recent fire in parent's house - what to do?
Replies: 9
Views: 1200

Re: recent fire in parent's house - what to do?

2. The insurance folks are hitting their house (worth probably 230k on market) with an about 80k depreciation (our insurance is covering actual cost value). That seems pretty significant depreciation to me, but didn't know if that was reasonable? Thanks all!!! This whole process is quite new for me...
by denovo
Wed Nov 22, 2017 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 5306

Re: Advice to become wealthy

Marry into a wealthy family.
by denovo
Wed Nov 22, 2017 4:50 am
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9254

Re: Beware Amazon Price Gouging

What were the items?
by denovo
Wed Nov 22, 2017 4:45 am
Forum: Personal Finance (Not Investing)
Topic: Own a US business but living in Canada
Replies: 5
Views: 650

Re: Own a US business but living in Canada

Is it possible, depending on what else was part of the estate, you could agree to exchange his shares for something else you own
by denovo
Mon Nov 20, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 73
Views: 6006

Re: Best vehicle for seniors?

FraggleRock wrote:
Mon Nov 20, 2017 12:27 pm
Uber
Lyft
taxi
This is the right answer. If someone has problems driving, a new car is not the fix.
by denovo
Mon Nov 20, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1682

Re: What brand of used car - Hyundai vs Nissan?

We need to buy a used car for DD. Our plan is to buy it from Hertz/Enterprise Used car sales. But this is our dilemma. For the past 18 years, we have only owned two cars and both of them were Honda cars. We replaced one of them 2 months back with a new Honda Civic. However, Hertz/Enterprise do not ...
by denovo
Mon Nov 20, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Another "To Rent or Sell" Question
Replies: 10
Views: 644

Re: Another "To Rent or Sell" Question

--$1000 a year is not possible over any length of time. That's roughly how much it will take to touch up paint and clean carpets between tenants in an average sized house. Not to mention the random toilet clogs, HVAC repairs (basic checks not including replacement every 10-15 years), roof repairs, ...
by denovo
Sun Nov 19, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 12900

Re: The valet smashed my Tesla into a brick wall!

TomatoTomahto wrote:
Sun Nov 19, 2017 9:34 pm
sergeant wrote:
Sun Nov 19, 2017 9:14 pm
Valet mode keeps it below 70 mph. I bet the valet got it close to max. :shock:
Valet mode also limits acceleration, so it might not have been that fast. Still, apparently more than the kid could handle.
I don't think the car was in valet mode anyways, OP didn't say so.
by denovo
Sun Nov 19, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Need bigger car - but may be moving overseas
Replies: 4
Views: 236

Re: Need bigger car - but may be moving overseas

I was thinking it might be more cost effective to buy a used car since I have it in my head that the depreciation will be less if I have to sell it after say one year. This is the correct answer. The depreciation curve is steepest in the first 3 years. I would look at purchasing a 3 year old or old...
by denovo
Sun Nov 19, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Can anyone help me with details on Portland Oregon Trip?
Replies: 14
Views: 622

Re: Can anyone help me with details on Portland Oregon Trip?

Isabelle77 wrote:
Sun Nov 19, 2017 6:29 pm


Skip Eugene, Salem, and the coast. While the coast is beautiful, there's not that much to do there, it's cold and you live near the ocean anyway.
+1
by denovo
Sun Nov 19, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance: AAA vs. Travellers
Replies: 18
Views: 1055

Re: Auto Insurance: AAA vs. Travellers

xerxes101 wrote:
Sun Nov 19, 2017 3:50 pm
Thank you all for your help. I think I am starting to see a pattern emerge here with these insurance companies.
Through talking to each other on this forum, I see that we have managed to tip their hands a bit, no?... :D

Yes tl;dr must shop around every 1-2 years.