Search found 3376 matches

by denovo
Thu Oct 19, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Gifted Realestate Question
Replies: 8
Views: 475

Re: Gifted Realestate Question

In other words, you'd like to borrow $375,000 total against the property which you believe to be worth $250,000. You won't get that loan if you're being honest with the bank and don't disclose your note, also known as mortgage fraud. I guess your grandfather is also being less than above board, not...
by denovo
Thu Oct 19, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 44
Views: 1702

Re: Anyone planning on getting the new Pixel phone?

No. I would get either iPhone or Samsung. Stay with the big name. https://en.wikipedia.org/wiki/Pixel_2 HTC makes the Pixel, LG the Pixel XL. Google has had a good track record of making quality phones when they contract out production, and these phones have no bloatware. What's way more objectiona...
by denovo
Thu Oct 19, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for insurance?
Replies: 15
Views: 1121

Re: Am I paying too much for insurance?

My opinion is you should contact an independent insurance broker for the answer. Most, if not all, comments you will get here are likely to provide comments on what they pay, based on a mismatch of your particular circumstances and local risk factors. First reply is the winner here. Both home and a...
by denovo
Thu Oct 19, 2017 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for insurance?
Replies: 15
Views: 1121

Re: Am I paying too much for insurance?

Your home insurance looks really expensive. We are with Farmers insurance and here are our numbers: Home Insurance: $1.2M house, $550K replacement cost, $2500 deductible $578.07/year This really seems hard to believe. What does $1.2M house, $550k replacement cost mean? It will only cost $550k to re...
by denovo
Wed Oct 18, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 277
Views: 12659

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Thats the standard offer. Thr larger offer is 180 days. I assune tda is the same in that the temporary larger promotion has a longer holding period. I believe TDA is one year regardless of the offer. My complaint wasn't the holding period. TD issues you the bonus immediately after the deposit, whil...
by denovo
Wed Oct 18, 2017 2:18 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 277
Views: 12659

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

They make you wait 14 weeks after opening up the account to get cash bonuses. TD would give it to you immediately. Why does this matter? You'll have to hold longer than that to keep it. I don't think so. No you're mistaken. The assets must be there for 180 days I believe. https://www.merrilledge.co...
by denovo
Tue Oct 17, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 277
Views: 12659

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

zeugmite wrote:
Tue Oct 17, 2017 8:10 pm
denovo wrote:
Tue Oct 17, 2017 7:54 pm
They make you wait 14 weeks after opening up the account to get cash bonuses. TD would give it to you immediately.
Why does this matter? You'll have to hold longer than that to keep it.
I don't think so.
by denovo
Tue Oct 17, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 277
Views: 12659

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I use Merrill Edge as do a number of Bogleheads, most prominently Earl Lemongrab. He has a thread on brokerage bonuses and free trades you should check out. I've seen only one or two complaints about Merrill Edge. I can confirm you receive 30 free equity trades per month with an asset level of $50k...
by denovo
Tue Oct 17, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2496

Re: Roofer stopped showing up - what are my options?

My roof was just completely renovated with new underlayment, vents, dormers, fascia and open valleys. They finished about an hour ago after six full days with a crew of six hard workers. I have never known an insurance company to require you pay a 50% down payment :oops: I bet they prefer your roof...
by denovo
Tue Oct 17, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 277
Views: 12659

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I must confess, I'm a little surprised by the strength of many people's reaction to this. Yes, it's disappointing for those of us who prefer Vanguard ETFs. And yes, if one trades frequently, 6.95 per trade would add up and have an impact over the long haul. But 6.95 here and there doesn't sound lik...
by denovo
Tue Oct 17, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2496

Re: Roofer stopped showing up - what are my options?

Is he licensed by the state....
by denovo
Tue Oct 17, 2017 5:14 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 277
Views: 12659

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

(Shrug) I don't know what goes on behind the scenes to make ETFs commission-free or mutual funds "no transaction fee" at a brokerage. For mutual funds, I think the fund company pays the brokerage a kickback fee of some kind. I doubt that Vanguard is willing to do this. Anyway, commission-free ETFs ...
by denovo
Tue Oct 17, 2017 5:06 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 277
Views: 12659

Re: Fellow TDA bogleheads

livesoft wrote:
Mon Oct 16, 2017 9:16 am
It looks like I'll be transferring assets in-kind out of TDAmeritrade. They have one ETF on the list that has an Average Daily Volume of 57. That's not 5700, it is fifty-seven shares.

LiveSoft is my canary in a coal mine. I am out too.
by denovo
Mon Oct 16, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: What are your best car battery purchase options?
Replies: 18
Views: 724

Re: What are your best car battery purchase options?

Costco for batteries. Sears used to have great DieHard batteries, but like everything else Sears-related these days, it's garbage now.
by denovo
Sun Oct 15, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5441

Re: Is Florida Over, 2017

Everyone has an opinion on whether or not housing will go up or down. None of us have any credibility on the topic. :happy
by denovo
Sat Oct 14, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 2267

Re: Dental implants in Poland

I know a lot of people go to Mexico, which I suspect will be cheaper, travel-wise.
by denovo
Sat Oct 14, 2017 4:02 am
Forum: Personal Consumer Issues
Topic: Citi Price Rewind iPhone 7 Did They Pay You?
Replies: 14
Views: 1772

Re: Citi Price Rewind iPhone 7 Did They Pay You?

My understanding is they have a claim form you can file if you find a lower price they did not find. Surprised the rep didn't mention it.
by denovo
Sat Oct 14, 2017 3:25 am
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 11
Views: 875

Re: Auto Transport From Florida to Oklahoma.

I don't think it's worth it to spend that kind of money transporting a 13 year old car that's been sitting for a while. Just sell it/donate to charity.
by denovo
Fri Oct 13, 2017 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or maintain liquidity for future home improvements
Replies: 10
Views: 1230

Re: Pay down mortgage or maintain liquidity for future home improvements

First home, baby on the way, I vote for liquidity. Just an fyi, home improvement, especially major renovation, will cost more than you think, and it's extremely difficult to live there while work is being done, let alone with a toddler. Maybe try living here for 5 years or so and moving into somethi...
by denovo
Thu Oct 12, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Tesla roof deposit: Anyone paid one?
Replies: 16
Views: 2067

Re: Tesla roof deposit: Anyone paid one?

I had no idea this existed: https://www.tesla.com/solarroof I'm not spending big in my house, since its days in hurricane territory/rising sea level territory are limited, but I'd certainly find out about that otherwise. What are they quoting per square foot? I didn't see a calculator. If you type ...
by denovo
Thu Oct 12, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1586

Re: Washington DC Trip

gtaylor wrote:
Thu Oct 12, 2017 3:32 pm

The private tourist on-off busses are not needed. Feet+metro+uber/taxi work very well.
+1
by denovo
Thu Oct 12, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9364

Re: 2018 ACA costs arrived

It is definitely the unaffordable act for all those paying full fare and absorbing the increases for those getting subsidies That's not how it works. Those getting subsidies are getting funded by the the revenue raisers in the ACA. Your premium isn't being diverted to those getting subsidies.
by denovo
Thu Oct 12, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3111

Re: Mechanic expects me to pay for his mistake

It's a VERY common problem with that generation of F150. Not saying the mechanic doesn't hold some responsibility, but it doesn't necessarily indicate incompetence. I am not saying every mechanic does it, but it's usually recommended to check the TSB's before working on the car. Here, if the mechan...
by denovo
Thu Oct 12, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3111

Re: Mechanic expects me to pay for his mistake

AFAIK the mechanic and shop is not liable. Why, he messed up? No, there was a bad outcome. This is not an uncommon event in maintenance. I will give you another common occurrence. You have a problem with your vehicle. In the process of troubleshooting the problem, the mechanic ends up replacing two...
by denovo
Wed Oct 11, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3111

Re: Mechanic expects me to pay for his mistake

I'd suggest those reading this post look at the great link/information posted by Sandtrap: http://www.fordproblems.com/trends/triton-spark-plug-stuck/ Based on the above, seems you have a reasonable recourse to this common problem, and there appears to be no particular liability for the mechanic. T...
by denovo
Wed Oct 11, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3111

Re: Mechanic expects me to pay for his mistake

Small town mechanic broke off spark plug in my 2006 F150. 140,000 miles. Worth around 7k before this problem. He can't fix it and wants me to pay $2400 to another shop to pull engine and have them fix. Was running fine with some intermittent stuttering so I took him my truck to replace spark plugs ...
by denovo
Wed Oct 11, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3111

Re: Mechanic expects me to pay for his mistake

Sandtrap wrote:
Wed Oct 11, 2017 10:00 pm


AFAIK the mechanic and shop is not liable.

Why, he messed up?
by denovo
Wed Oct 11, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Checking VIN numbers on a new car
Replies: 6
Views: 671

Re: Checking VIN numbers on a new car

Sometimes dealers can unwind transactions and consider the cars new still.
by denovo
Wed Oct 11, 2017 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Downgrading automobile
Replies: 10
Views: 1578

Re: Downgrading automobile

Do you have any experience selling a used vehicle?
by denovo
Mon Oct 09, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3703

Re: What specific changes have you made post-Equifax?

I think you've covered all the bases.
by denovo
Mon Oct 09, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with estate with no liquid assets and a house?
Replies: 17
Views: 1254

Re: How to deal with estate with no liquid assets and a house?

I would just stay out of it and let the executor deal with it since they don't get along.
by denovo
Sun Oct 08, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Currency exchange
Replies: 8
Views: 775

Re: Currency exchange

Is there always a cost in exchange? Yes, there is always gonna be a "cost" or "spread" when you exchange cash. The people in the biz aren't running a charity. However, there are many credit cards that you can use overseas that have no "foreign transaction fee" and give you the market rate so you ma...
by denovo
Sat Oct 07, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time to jump off the ship (career question)
Replies: 10
Views: 1715

Re: Is it time to jump off the ship (career question)

What would you do? I would check to see what other jobs are available while you can take your time and look for a great one. If you find one that is a lot better then the choice will be easy. If not then you will know that staying in that job is the best choice. +1 Hard to make a comment without kn...
by denovo
Sat Oct 07, 2017 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use Sebonic Financial for mortgage?
Replies: 18
Views: 40644

Re: Anyone ever use Sebonic Financial for mortgage?

Reviews are good, people here have used them, and I'm highly considering having them do my loan that I close on mid November. Any new reasons why I shouldn't give them a shot. So far the loan officer I've been working with has been super responsive, etc. They were a little bit slow, but otherwise l...
by denovo
Fri Oct 06, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6232

Re: MoviePass-Too good to be true, but it's legit.

:sharebeer
FelixTheCat wrote:
Fri Oct 06, 2017 5:03 pm
I stopped going to the movies because of the ticket prices. I usually rent movies on Amazon for $5-6.

I just signed up for the service. Thanks for the tip!
by denovo
Fri Oct 06, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3314

Re: Sent to collections by a hospital we've never been to?

Does your wife have a common name? Is it possible another Mary Doe went to that hospital and the collection agency is just randomly sending letters to any addresses that come up with that name? I've seen that happen with collection agencies. I would not provide your wife's social security number or...
by denovo
Fri Oct 06, 2017 5:36 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3314

Re: Sent to collections by a hospital we've never been to?

Yes, the only information I'm sure the collection agency has are name and address. And actually, it's possible the hospital didn't even have an address (since we never received a bill from them). Not sure how that would work. In any case, don't want to give them more info than necessary. Should we ...
by denovo
Fri Oct 06, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4936

Re: Anyone go 100% Ally or another online bank for all banking needs?

Here's a few reasons I can think of to have an account with a brick and mortar bank.

1. Many banks do free notarizations for customers.
2. If you ever need a medallion signature guarantee, an online bank can't help you.
3. Discounted price on safe deposits.
4. Quickly need a cashier's check.
by denovo
Fri Oct 06, 2017 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 1985

Re: Negotiating merit scholarships

US NEWS rankings for public schools

1. UCB
2. UCLA
.....


58. U. of Arizona
by denovo
Fri Oct 06, 2017 12:35 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3314

Re: Sent to collections by a hospital we've never been to?

Does your wife have a common name? Is it possible another Mary Doe went to that hospital and the collection agency is just randomly sending letters to any addresses that come up with that name? I've seen that happen with collection agencies. I would not provide your wife's social security number or ...
by denovo
Thu Oct 05, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off house that is in estate
Replies: 15
Views: 1271

Re: Paying off house that is in estate

Determined wrote:
Thu Oct 05, 2017 9:25 pm
We have already determined I cannot assume the mortgage.
Why?
by denovo
Wed Oct 04, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6232

Re: MoviePass-Too good to be true, but it's legit.

I signed up for this when they first announced the 10 dollar plan, but have yet to receive anything from them. Perhaps it didn't go through as I never got an email acknowledgement either. Anyone else sign up and not get it? Due to the overwhelming demand, I had to wait a few weeks, but I got 2 emai...
by denovo
Wed Oct 04, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6232

Re: MoviePass-Too good to be true, but it's legit.

Not so sure it's really legit. Some people have reported that MoviePass who used the service to see many movies a month had MoviePass raise their price even before the one year contract was up. http://www.avsforum.com/forum/122-great-found-deals/2912800-moviepass-unlimited-daily-movie-ticket-subscr...
by denovo
Wed Oct 04, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6232

Re: MoviePass-Too good to be true, but it's legit.

Downside? They will still get you on the 100x markup on the popcorn and soda :) Kidding aside - looks like a great deal (although my local theater doesn't participate). I should mention that on the bottom of the page you can enter a zip code and see participating theaters. This card has worked at a...
by denovo
Wed Oct 04, 2017 5:13 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6232

MoviePass-Too good to be true, but it's legit.

I've been using this service for the last couple of weeks and I wanted to pass this along to Bogleheads who like to go to the theatres. It's pretty simple. You pay $10 a month and get a MoviePass debit card in the mail. You can see an unlimited number of 2d Film but no more than once a day at any th...
by denovo
Tue Oct 03, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 56
Views: 4445

Re: Soliciting personal recommendations for a Barcelona trip

One thing that just popped in my head, the central government could try to squeeze Catalonia by cutting off all intl flights going in and out.
by denovo
Tue Oct 03, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 56
Views: 4445

Re: Soliciting personal recommendations for a Barcelona trip

We are due to arrive at El Prat within the week and will be spending time at a seaside resort just west of the city to get over the jet lag before proceeding to Andorra, then into France through the Pyrenees. After meandering through a number of stops, we are due to come back to Barcelona, staying ...