Search found 4502 matches

by denovo
Wed Sep 16, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12696

Re: Is this guy trying to scam me on a car I'm selling?

atikovi wrote: Wed Sep 16, 2020 6:31 pm
denovo wrote: Wed Sep 16, 2020 6:28 pm Stop engaging with the scammer
That is yet to be determined.
Well keep us updated at least.
by denovo
Wed Sep 16, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12696

Re: Is this guy trying to scam me on a car I'm selling?

New message from scammer #1 after my message, On Sep 16, 2020, at 13:02, atikovi@t wrote: I asked my bank what their policy is for out of state bank checks. While some of the funds would be available next day, it could take up to 3 weeks until the issuing bank clears and pays the check, until which...
by denovo
Wed Sep 16, 2020 1:39 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12696

Re: Is this guy trying to scam me on a car I'm selling?

Americans dont use 24-hour clock time.
by denovo
Wed Sep 16, 2020 12:24 am
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 756

Re: Invoice pricing on commercial truck?

theplayer11 wrote: Tue Sep 15, 2020 2:28 pm anyone know where I can find invoice pricing on Isuzu NPR trucks?
invoice doesn't matter
by denovo
Tue Sep 08, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: Replacing a 20-year-old central air conditioning
Replies: 66
Views: 5870

Re: Replacing a 20-year-old central air conditioning

I ran the math on my 20 year old unit (which at 16seer was efficient for its day) and decided it just doesn’t make sense to replace. It will never pay for itself on efficiency by my calculations. I agree with you. I really don’t how people think that new AC will ever “pay for itself” in any reasona...
by denovo
Tue Sep 08, 2020 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants screening
Replies: 32
Views: 2632

Re: Tenants screening

As for whether or not to rent to the tenant you describe, did you do all the background checks, verify all the data on their rental application, and meet them personally and ask 5x as many questions as on your rental app? j :D +1 to this. Basically what I said in my above post, I think Sandtrap wil...
by denovo
Tue Sep 08, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Sent me a check I am not expecting - what should I do?
Replies: 22
Views: 3139

Re: IRS Sent me a check I am not expecting - what should I do?

The following happened to a friend of mine several years ago: He paper filed, with a paper check enclosed for a few $K. After the check was cashed but before his return was processed, someone e-filed a fraudulent return claiming a large refund. So his payment had the effect of increasing the refund...
by denovo
Tue Sep 08, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Replacing a 20-year-old central air conditioning
Replies: 66
Views: 5870

Re: Replacing a 20-year-old central air conditioning

I am thinking about replacing my 20 year old central AC. What are my options? What are the brands or models bogleheads recommend? I read many people are happy with their mini splits AC. It sounded like a good energy efficient option. Then I realized the installation requires the drilling of a hole ...
by denovo
Tue Sep 08, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants screening
Replies: 32
Views: 2632

Re: Tenants screening

Hi everyone, a couple had applied to our rental property. The rent is around 3k per month. One of them makes around 130k per year, the other is stay home. Their credit score is 750+. Not that much saving, 20k, and around 10k debt. Do you think it's good option to rent to them? I would read the OP f...
by denovo
Tue Sep 08, 2020 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Sent me a check I am not expecting - what should I do?
Replies: 22
Views: 3139

Re: IRS Sent me a check I am not expecting - what should I do?

The IRS sent me a check for a considerable amount ($10,000+) that I was not expecting. No correspondence / explanation. Doesn't match to any recognizable $$ amounts, such as payment I made before July deadline through IRS Direct Pay. Any ideas? Good number to call for speaking to a human? Just cash...
by denovo
Mon Sep 07, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: House sale quandary - under contract!
Replies: 66
Views: 8571

Re: House sale quandary - got offer from neighbor before agent listed house

I could use some advice here, because I think we're in a bit of a gray area. We are selling our house. Last week we contacted a real estate agent about selling it, but the listing has not gone up yet. She's done some prep work and the plan was to list next Saturday. In the meantime a neighbor heard...
by denovo
Sun Sep 06, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting Principles
Replies: 204
Views: 12194

Re: Buying vs. Renting Principles (Sticky Thread Request)

Hi Bogleheads, We get many posts from people asking about how much house they can afford, if they should keep renting or should they buy, and if they should rent out their current house or should they sell it. I've put together some resources and guiding principles below. Can we make these guidelin...
by denovo
Sat Sep 05, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America free payroll service (in CA)
Replies: 17
Views: 1188

Re: Bank of America free payroll service (in CA)

My wife and I are looking for ways to cut the cost of her payroll services for her S-corp, which are currently provided by Paychex at an annual cost of around $825. She's already a Bank of America customer, and I've seen recommended several times on here BofA's free payroll service: https://www.ban...
by denovo
Fri Sep 04, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Credit Card Charge Dispute Who Generally Prevails?
Replies: 51
Views: 3667

Re: Credit Card Charge Dispute Who Generally Prevails?

Each credit card dispute is decided on its own merits. No party is "more likely" to prevail over another. That being said, there may be some issuers who "eat" very small dollar amount disputes to avoid the expense of handling the matter. For example, anecdotally I have heard that AMEX will just cre...
by denovo
Fri Sep 04, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Renters insurance additional interest vs additional insured
Replies: 10
Views: 390

Re: Renters insurance additional interest vs additional insured

Your landlord wants notice that your policy is intact and not delinquent. They will get copies of the renewal and etc. Maybe USAA uses a different term for it, explain to them what you need.

They should not be an additional insured.
by denovo
Thu Sep 03, 2020 4:14 am
Forum: Personal Consumer Issues
Topic: Partnership disposition after death
Replies: 2
Views: 377

Re: Partnership disposition after death

It obviously depends on what the partnership agreement says + the applicable state law. A good partnership agreement will spell out the provisions for buyouts, valuation, and how payments are to be made.
by denovo
Tue Sep 01, 2020 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Should I get extended car warranty for a 2017 CPO Mazda?
Replies: 19
Views: 1129

Re: Should I get extended car warranty for a 2017 CPO Mazda?

Hi. I bought a certified pre-owned Mazda CX-5 today. 2017 with 9,200 miles. It comes with 1 year bumper to bumper and 4 more years on the power train. The sales guy was trying to talk me into an extended comprehensive coverage plan for an additional 7 years from a company called Zurich for $1,300. ...
by denovo
Sun Aug 23, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: Renting a washer/dryer for a couple of months until I get a deal on a new one?
Replies: 19
Views: 1490

Re: Renting a washer/dryer for a couple of months until I get a deal on a new one?

killjoy2012 wrote: Sun Aug 23, 2020 6:00 pm Rent = laundromat. Do you have any idea what a PITA it is to move washers and dryers? You're going to pay someone more to move them in and out, and the entire cost of just going to a coin laundry place.
I wouldn't go to a laundromat right now.
by denovo
Wed Aug 19, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4392

Re: Approach to "News" Consumption

Elsebet wrote: Wed Aug 19, 2020 10:13 am
I feel much happier. My husband often gets angry at posts he reads on reddit and I am glad I try to avoid that now. )
thats why /r/wholesomememes and /r/aww exists.
by denovo
Wed Aug 19, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate risk of prospective tenants?
Replies: 38
Views: 2317

Re: How to evaluate risk of prospective tenants?

The person is an independent contractor (therapist) and over 3 months income has varied from $4000 to $10,000. Be sure to read this classic thread about how owning a rental can go wrong even in normal times. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=191039 Thanks for bringing back memori...
by denovo
Wed Aug 19, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate risk of prospective tenants?
Replies: 38
Views: 2317

Re: How to evaluate risk of prospective tenants?

I’ve hired a property manager and just listed a 3 bedroom condo for rent. Within one day the property manager emailed to say she has a great prospective tenant and I requested to see the application. The property manager told me about a high credit score and good average monthly income, but the inf...
by denovo
Wed Aug 19, 2020 12:44 am
Forum: Personal Consumer Issues
Topic: "New" used car
Replies: 26
Views: 2056

Re: "New" used car

I hear a lot of car rental companies have good deals right now.
by denovo
Mon Aug 17, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Discount vs. full-price realtor
Replies: 126
Views: 5668

Re: Discount vs. full-price realtor

My wife and I are looking for a house in SoCal. We currently have a "discount" realtor who refunds 1.5% of the buyer's agent commission (normally 2.5%) back to us at closing. In our price range ($1.5-2M), this is about a $25,000 rebate. I consider this substantial; our household income is about $45...
by denovo
Sun Aug 16, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Desperately need advice regarding my business lease.
Replies: 33
Views: 2046

Re: Desperately need advice regarding my business lease.

Thank you in advance for any guidance that can help me put a plan together to mitigate a very difficult situation that I am currently facing and may get worse in the near future. Always dreamed of becoming an entrepreneur and finally jumped into the deep end of the pool. Less than 2 weeks before th...
by denovo
Thu Aug 13, 2020 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Private University Apartments Leases during Covid
Replies: 64
Views: 3713

Re: Private University Apartments Trapping Students in Expensive Leases

People often assume anything written on a piece of paper is a valid contract. Spoiler Alert: the courts will decide whether or not it is. Landlords who strictly observe the terms of the lease are known to include "loser pays" provisions in the terms offered to prospective tenants. I am going to wag...
by denovo
Sat Aug 08, 2020 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Starting divorce process - how to succeed financially?
Replies: 79
Views: 10265

Re: Starting divorce process - how to succeed financially?

Throwaway for obvious reasons... My husband is emotionally abusive, an occasional binge drinker, and just generally a miserable human being, and I'm working through a divorce. I'm interested to hear your opinions of how I should move forward financially. State: Florida, no children Length of marria...
by denovo
Mon Aug 03, 2020 3:34 am
Forum: Personal Finance (Not Investing)
Topic: More than $500K profit on sale of primary residence
Replies: 24
Views: 3177

Re: More than $500K profit on sale of primary residence

Thanks everyone who had helpful suggestions. Those of you who made snide remarks didn't think about the house I'm moving to. My new primary residence costs about the same as the house I'm selling. Both appreciated roughly the same amount in the past decade. So this is a $75K tax liability for a gai...
by denovo
Sun Aug 02, 2020 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buyer using Seller's Agent to Lower Fees - Questions
Replies: 18
Views: 1438

Re: Buyer using Seller's Agent to Lower Fees - Questions

It appears that Colorado allows a realtor to rebate a portion of their commission to the buyer and/or seller. https://www.justice.gov/atr/letter-colorado-division-real-estate-re-colorado-real-estate-commission-permits-payment-rebates Why not save everyone the trouble and just retain a buyer's agent...
by denovo
Sun Aug 02, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8208

Re: What Car Maintenance Do You Do?

Heya, Because of coronavirus I bought my first car in years. Always used to rely on public transit, but oh how the world has changed. I've become more confident the older I've become to work on cars and, of course, YouTube has helped greatly. But like I said I've not owned a car in years and thinki...
by denovo
Sun Aug 02, 2020 4:52 am
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9334

Re: Paying cash for a new car... should I let them run my credit?

I'm planning on buying a new car with cash (cashier's check). I'm not interested in dealership financing, or any of the high margin junk they try to sell you in F&I (such as "protection packages", extended warranties, VIN etching, etc) and I don't have a trade-in. I'm also not terribly keen on play...
by denovo
Sun Aug 02, 2020 4:02 am
Forum: Personal Finance (Not Investing)
Topic: More than $500K profit on sale of primary residence
Replies: 24
Views: 3177

Re: More than $500K profit on sale of primary residence

jazzmania wrote: Sun Aug 02, 2020 2:03 am I've lived in my house for 10 years. Selling it this month will net me a gain of ~800K. Including the Net Investment Income Tax (NIIT), the overall tax rate will be ~25% on $300K. Is there a way to avoid this tax?
You could sell the house for 300k less
by denovo
Sat Aug 01, 2020 12:25 am
Forum: Personal Finance (Not Investing)
Topic: To rent out, or to sell?
Replies: 20
Views: 1378

Re: To rent out, or to sell?

Read this thread https://www.bogleheads.org/forum/viewtopic.php?f=2&t=226980 Actually, reading your thread was what started giving me second thoughts about renting it out!!! :happy At this stage in my life, I would rather spend more time with my toddler than worry about managing a rental. If hiring...
by denovo
Fri Jul 31, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: To rent out, or to sell?
Replies: 20
Views: 1378

Re: To rent out, or to sell?

We just bought a new home. I was very sure I was going to keep the current home and rent it out. But now, I am having second thoughts. This is the data about the house itself: Location: Austin, TX House built: 2005 Purchased for $270k in 2006 Market value (estimated): $480k Mortgage balance: $75k, ...
by denovo
Thu Jul 30, 2020 9:09 pm
Forum: Personal Investments
Topic: more rentals or etfs?
Replies: 26
Views: 1757

Re: more rentals or etfs?

Though a boglehead at heart, I do invest a disproportionate amount of money into real estate...currently I have around 65k in vanguard and own around 800,000 worth of real estate with around 275,000 equity...I have hustled to make more money flipping real estate and purchasing rentals so I'm at a p...
by denovo
Thu Jul 30, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 367
Views: 46394

Re: $88.37 Today by CHAT...One Vehicle plus Listen Online

I got $60 for 12 mos. when I called. It was an automated offer, didnt have to talk to anyone denovo, I contacted XM through Chat. I should've asked for the OTD price :) Could I have gotten a better deal? I got one vehicle plus access for one at home for $88.37 $60 XM Select One Year $10.43 XM Servi...
by denovo
Mon Jul 27, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 367
Views: 46394

Re: Don't pay full price for SiriusXM radio

I got $60 for 12 mos. when I called. It was an automated offer, didnt have to talk to anyone
by denovo
Sun Jul 26, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5784
Views: 1380419

Re: What Movie Have You Recently Watched?

LadyGeek wrote: Sun Jul 26, 2020 2:45 pm Jane Got a Gun, on Blu-ray DVD. A Western romance action film with Natalie Portman. Meh.
What's a DVD
by denovo
Sun Jul 26, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: New Teen Driver Liability
Replies: 26
Views: 1898

Re: New Teen Driver Liability

Hi Bogleheads. My DD just became a new teen driver. I added her to our auto insurance policy and that brought up a whole lot of questions. First, can someone that has a teen driver tell me if their auto insurance doubled just by putting your teen on your policy? Insurance is high where we live but ...
by denovo
Sun Jul 26, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Driveway On Neighbor's Land
Replies: 139
Views: 4558

Re: Land Border Issues & Aggressive Neighbor - Help Wanted Please

Boglehead Guru, asking for some advice. My wife and I bought our home 7 years ago and all is well. Two years ago our neighbor who moved in after us; said that a part of our driveway is on their property. Our homes are separated by a fence which has probably been there 10+ years and the driveway is ...
by denovo
Sun Jul 26, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating a Potential Purchase of Property in the Philippines
Replies: 29
Views: 2246

Re: Evaluating a Potential Purchase of Property in the Philippines

Thank you for your reply and for sharing the thread link. I will review that and also share with my wife to get her thoughts. Regards, Joe As another poster pointed out and I missed, you have car and credit card debt, plus you want to empty out retirement accounts. OP, this is by no means a good id...
by denovo
Sun Jul 26, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dead Father's Unclaimed Property
Replies: 33
Views: 3156

Re: Dead Father's Unclaimed Property

If you can find out who the insurance company was for his first wife's policy, that may lead to some additional information. Do you know where they lived, time frame, etc.? What was his first wife's SS #? Maybe that will lead somewhere. Seems like the law enforcement establishment for that area (or...
by denovo
Sun Jul 26, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Dead Father's Unclaimed Property
Replies: 33
Views: 3156

Re: Dead Father's Unclaimed Property

Recently my mother brought this up again after were talking about retirement. I've had to help her a few times, because she is pretty clueless to money. Anyway, she kept saying it, so I hopped on the state's unclaimed property and I found two life insurance policies left to my father under his name...
by denovo
Sun Jul 26, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Dead Father's Unclaimed Property
Replies: 33
Views: 3156

Re: Dead Father's Unclaimed Property

OP, I think your mom needs to contact Social Security, or maybe you can on her behalf if you have a POA. See if your father's old and new SS are somehow linked so you can link these identities.
by denovo
Sun Jul 26, 2020 4:07 am
Forum: Non-US Investing
Topic: Is it possible to copy the best hedge fund ever,The Renaissance ??
Replies: 60
Views: 5991

Re: Is it possible to copy the best hedge fund ever,The Renaissance ??

danyboy7 wrote: Sat Jul 25, 2020 1:59 pm
whodidntante wrote: Sat Jul 25, 2020 1:47 pm That fund has high turnover, so you with 3 month sync points you wouldn't track the fund very well.
That's the main problem indeed.However still curious about what would the annual cagr of this strategy look like :wink:
Won't work
by denovo
Sun Jul 26, 2020 3:17 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating a Potential Purchase of Property in the Philippines
Replies: 29
Views: 2246

Re: Evaluating a Potential Purchase of Property in the Philippines

I am not sure this is the correct forum for these questions but my wife has presented me with a situation that is putting me in a place where I feel I am out of my depths to properly evaluate. Background: --My wife was born and raised in the Philippines and is now a naturalized U.S. citizen. We hav...
by denovo
Sun Jul 26, 2020 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Dead Father's Unclaimed Property
Replies: 33
Views: 3156

Re: Dead Father's Unclaimed Property

If you can find out who the insurance company was for his first wife's policy, that may lead to some additional information. Do you know where they lived, time frame, etc.? What was his first wife's SS #? Maybe that will lead somewhere. Seems like the law enforcement establishment for that area (or...
by denovo
Sun Jul 26, 2020 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Private Party Sale of Car in California: Bait and Switch Update at Post 17
Replies: 34
Views: 2936

Re: Private Party Sale of Car in California

Last time I sold a car, I had it listed on a few sites online. A lot of the inquiries I got were scams. Decided a private sale wasn't worth my time, drove it to a few dealerships, got them to compete on price, and sold it to the one with the best offer. But - I wouldn't really be worried about a sc...
by denovo
Sat Jul 25, 2020 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Dead Father's Unclaimed Property
Replies: 33
Views: 3156

Re: Dead Father's Unclaimed Property

So here is the story, because this sure is a wacky one. My father told many many tall tales. He was one of those guys that would just overtly make something bigger than it is while telling a story. So, I always took a lot with a grain of salt. According to my father's stories, when he was in his 20...
by denovo
Sat Jul 25, 2020 11:46 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 153477

Re: My New Car Buying Tips

Thanks, grabiner. Hopefully I get lucky with my negotiations. This for a Lexus RX350 SUV, so not sure if there is much wiggle room for luxury vehicles. RX350 is their best seller. There's lots of wiggle room. Luxury vehicles have more markup, leaving lots more wiggle room than non-luxury vehicles. ...