Search found 3966 matches

by denovo
Sun Apr 22, 2018 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Your own General Contractor
Replies: 3
Views: 534

Re: Your own General Contractor

BradJ wrote:
Sat Apr 21, 2018 9:43 pm
Anyone here ever built their own home? Do you truly save 25%?
If you have no experience in construction please don't do this. Picking up stuff at Home Depot is not "experience". You will not save money. It will cost you more. If you want me to go into detail, let me know.
by denovo
Sun Apr 22, 2018 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Best CashBack creditCard with no foreign transaction fee.
Replies: 10
Views: 606

Re: Best CashBack creditCard with no foreign transaction fee.

The Costco Visa card is pretty good if you are a Costco member. The rebate is once per year and it is only good at Costco. However, if you go to a Costco store they will give you the cash, or possibly a check if the amount is large. Citi Costco only gives 3 percent cash back on travel. For general ...
by denovo
Sun Apr 22, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 43
Views: 1592

Re: AAA? What to do in car emergencies?

But as I was driving on the highway, I realized that, without my husband, I have no clue what to do if I have a flat or a breakdown or an accident. Is AAA still the thing to do? AAA is an expensive and bad idea. 30 yrs ago they were the only game in time and people are stuck in old habits. Any auto...
by denovo
Sat Apr 21, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Home owner's insurance
Replies: 6
Views: 518

Re: Home owner's insurance

I own a single family residence. Attached to the residence is an 'in-law quarters residence' which I rent out to a couple and their son. I recently received a bill for my home owner's insurance with its $900 increase. Should I maintain the home owner's insurance? Did you disclose to your insurance ...
by denovo
Wed Apr 18, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3084

Re: Perks of Owning Certain Individual Stocks

Jack FFR1846 wrote:
Wed Apr 18, 2018 11:18 am
If you own Ford stock, you receive X plan pricing. No haggle. Can you do better negociating? Yes, I have. But for no stress buying, this can help
x plan pricing sucks
by denovo
Tue Apr 17, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10479

Re: Is Los Angeles a good place long term to live financially?

LarryAllen wrote:
Tue Apr 17, 2018 5:31 pm
On $100k a year you can't afford to live in a decent neighborhood in Los Angeles.
I guess this may be the case if you consider the Platinum Triangle the only decent neighborhoods.
by denovo
Tue Apr 17, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10479

Re: Is Los Angeles a good place long term to live financially?

NYC maybe a slightly more expensive city, but you'll spend way less time commuting, you can walk to meet up with people, and if you want to buy a nice house eventually there's actually public transport that will take you out to Westchester, NJ, or Long Island where you can find decent houses in the...
by denovo
Tue Apr 17, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10479

Re: Is Los Angeles a good place long term to live financially?

I’m thinking of moving to LA and spending the rest of my life there, but I’m concerned about the cost. Is LA expensive? And would pursuing my goals be worth the cost of living there and are the costs worth the quality of life I would have there? Some of my goals are: 1. Get an MBA at a good busines...
by denovo
Mon Apr 16, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my mom's investments, please.
Replies: 27
Views: 1952

Re: Help with my mom's investments, please.

Do you have a Durable POA?
by denovo
Mon Apr 16, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: San Diego Safari Zoo
Replies: 13
Views: 932

Re: San Diego Safari Zoo

AAA , Costco and others have had discounts at one time or another.
by denovo
Mon Apr 16, 2018 5:21 am
Forum: Personal Consumer Issues
Topic: Cruises: How to Value Onboard Credit
Replies: 29
Views: 1544

Re: Cruises: How to Value Onboard Credit

I’ve taken my family on a Disney Cruise, and it was really, really nice. At the time, everywhere I shopped offered an identical fare for the identical cabin category, but competed with each other by offering onboard credits. The biggest onboard credit from the highest rated travel agent won. Now I’...
by denovo
Mon Apr 16, 2018 4:17 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 125
Views: 7054

Re: BH travel tips?

y; I have gotten into places where I have run out of water and held back at paying several dollars for a bottle of water that I could get at a grocery store for a quarter. That was a mistake since I got dehydrated and grumpy and ruined the afternoon. Now if I run out of water I just buy the overpri...
by denovo
Mon Apr 16, 2018 4:13 am
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3115

Re: Dealing with poorly assigned hotel rooms?

OP here, got an update. I got a call from the manager at the original hotel who apologized for the behavior of their guests, and for not giving his staff the ability to deal with the situation (i.e., refund) immediately. He gave me a refund for the night, paid for my other hotel stay (through some ...
by denovo
Mon Apr 16, 2018 4:03 am
Forum: Investing - Theory, News & General
Topic: Any value investor buying a Russia fund?
Replies: 89
Views: 5008

Re: Any value investor buying a Russia fund?

“And if they insist on trying to time their participation in equities, they should try to be fearful when others are greedy and greedy only when others are fearful” – 2004 Annual Shareholder Letter. https://www.investopedia.com/university/warren-buffett-biography/warren-buffett-most-influential-quo...
by denovo
Mon Apr 16, 2018 3:58 am
Forum: Personal Finance (Not Investing)
Topic: Use 25k From Brokerage Account For Investment Property?
Replies: 29
Views: 2119

Re: Use 25k From Brokerage Account For Investment Property?

I'm debating whether it's a good idea to use 25k from a brokerage (taxable) account to purchase an investment property in, say, Houston or Florida. Let’s use this home as an example: https://www.zillow.com/homedetails/11827-Jelicoe-Dr-HOUSTON-TX-77047/97606406_zpid Sales Price: 159,500 Down Payment...
by denovo
Mon Apr 16, 2018 3:52 am
Forum: Investing - Help with Personal Investments
Topic: No long term capital gain taxes???
Replies: 9
Views: 1728

Re: No long term capital gain taxes???

This can't be right, can it? You can have no tax liability on a $250K long term gain profit if you earn less than $35k in the year you sell? I am sure I don't understand the brackets, please help. The only 250k exemption I know about is selling your primary home, and that's not related to your inco...
by denovo
Mon Apr 16, 2018 3:46 am
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 105
Views: 9876

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I know this is an old thread, but there's a comment I meant to make but I forgot about. I feel like compared to a few years ago, the portfolio questions that people ask are way more complex. Make sense, the cookie-cutter easy stuff is on the Bogleheads Wiki, other sites, and on old threads. The more...
by denovo
Mon Apr 16, 2018 3:42 am
Forum: Personal Consumer Issues
Topic: Decisions on a Two Car Strategy
Replies: 24
Views: 2052

Re: Decisions on a Two Car Strategy

I have seen a lot of people get rid of perfectly functioning vehicles because their cars are "getting old" or "may leave me stranded" or "might die at some point down the road. And often, when the next car has any problems, they wish they had the older car. Also, if you are keeping on regular maint...
by denovo
Mon Apr 16, 2018 3:39 am
Forum: Personal Consumer Issues
Topic: Decisions on a Two Car Strategy
Replies: 24
Views: 2052

Re: Decisions on a Two Car Strategy

As a family, we have two cars right now, Car 1 (a 2012 Prius ~100k miles), and Car 2 (a 2007 Odyssey FWD, ~115k miles). Car 1 serves as the fuel-efficient commute vehicle for my wife. These cars each have 60k-100k miles left on them. This conversation is not ripe. You have plenty of years to save m...
by denovo
Mon Apr 16, 2018 3:35 am
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 1854

Re: New HVAC system

Should I skip the preemptive update and just wait until the existing system dies? 29 years is a good run, I would go on and get the quotes and then decide. In addition to getting better quotes because it is a slow time of year, you will also likely get better quotes than you would if your current s...
by denovo
Mon Apr 16, 2018 3:31 am
Forum: Personal Finance (Not Investing)
Topic: Would you switch investment advisor to save $3000+/yr?
Replies: 24
Views: 3337

Re: Would you switch investment advisor to save $3000+/yr?

Thanks for the replies so far. Portfolio value is ~1.3MM. Current advisor does TLH, pre-fills RMD/Roth conversion forms for signature. My father is pretty hands off. He basically does whatever the advisor recommends. In 2008, he never once questioned all the rebalancing to the bottom of the bear ma...
by denovo
Mon Apr 16, 2018 3:29 am
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 2903

Re: Las Vegas hotel

Note to OP: A couple of weeks ago, I received a deal from TI for $59 per night and a deal from the Wynn for ONLY $129. Remember, you will not get those rates. That will add $30-60 additional a night PLUS taxes PER NIGHT on that amount. Then, many of the LV Strip properties are now charging for park...
by denovo
Mon Apr 16, 2018 2:21 am
Forum: Personal Consumer Issues
Topic: Google Pixel just died
Replies: 10
Views: 1416

Re: Google Pixel just died

Not much luck with Pixel. I got a Pixel 1 last September and it spontaneously erased itself a few days after I started using it. Google replaced it with another one, and now it seems to be dead as doornail. Turned it off last night and turned it on this morning but nothing. Plugged in the charger c...
by denovo
Sun Apr 15, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5401

Re: Costco gas

Do you go out of your way to buy gas at Costco? Those who drive a "premium" tier car, do you buy premium gas? Thanks! If you have a smart phone I suggest getting the gasbuddy app. It shows you gas prices in your area and it has been fairly accurate for me. At least in my neck of the woods, Costco i...
by denovo
Sat Apr 14, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Henderson, NV (Las Vegas suburb) Builder Quality
Replies: 6
Views: 1259

Re: Henderson, NV (Las Vegas suburb) Builder Quality

I wouldn't care a bit about what resident homeowners think. They have no clue on how to assess builder quality. The inspectors know what's up.
by denovo
Sat Apr 14, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: (Privately) shopping for insurance
Replies: 15
Views: 1506

Re: (Privately) shopping for insurance

Unfortunately they need a lot of personal information on you to assess risk: age birthdate, SSN, drivers license, education, occupation, salary and on and on. If you find divulging your personal information to multiple people distasteful, just go through an insurance broker. You share that informat...
by denovo
Sat Apr 14, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Account benificiary vs will beneficiary....
Replies: 18
Views: 1210

Re: Account benificiary vs will beneficiary....

HueyLD wrote:
Fri Apr 13, 2018 3:23 pm
As to real estate and vehicles, many states allow TOD deed/title. You will need to check the FL state law for such items.
+1
by denovo
Fri Apr 13, 2018 1:44 am
Forum: Personal Finance (Not Investing)
Topic: (Privately) shopping for insurance
Replies: 15
Views: 1506

Re: (Privately) shopping for insurance

Unfortunately they need a lot of personal information on you to assess risk: age birthdate, SSN, drivers license, education, occupation, salary and on and on. If you find divulging your personal information to multiple people distasteful, just go through an insurance broker. You share that informat...
by denovo
Thu Apr 12, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1678

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

Will do good wrote:
Thu Apr 12, 2018 6:32 pm
No.

We had few rental apartment units and our appliances are the basic models, even with the abuse by our tenants they last much more than 10 years on the average. Sales comes in many time a year.
+1

Appliances are permanently on sale.
by denovo
Thu Apr 12, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Broker fee - I think I'm being taken advantage of
Replies: 8
Views: 613

Re: Mortgage Broker fee - I think I'm being taken advantage of

I ended up getting the mortgage directly from the bank I applied with. The mortgage broker said he was set to close with another bank as well but the interest rate was significantly higher (5.125% vs 4.375%). The only talk we had of his charge was at our initial meeting where is said it would proba...
by denovo
Thu Apr 12, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Broker fee - I think I'm being taken advantage of
Replies: 8
Views: 613

Re: Mortgage Broker fee - I think I'm being taken advantage of

I vote for $0. [partial delete to reflect clarification from OP]
by denovo
Wed Apr 11, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6461

Re: Passport photo DIY - anyone done it easily?

It's time for me to renew my passport. I was hoping to DIY the passport photo using my cellphone camera and ordering the color print from Shutterfly or some drugstore service (I don't have a color printer) - there seems to be some phone apps and even websites that 'optimize' the size/picture for yo...
by denovo
Wed Apr 11, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 3939

Re: Am I being unreasonable?

I know that one data point does not mean anything. But this is our story. Daughter went to public school. She was the top student in the state (State AP scholar). This includes all private schools in the state. She got a scholarship to attend Medical school. However at the present time I am paying ...
by denovo
Wed Apr 11, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 3939

Re: Am I being unreasonable?

oldfatguy wrote:
Wed Apr 11, 2018 3:29 pm
I agree with you, too, but I'm not sure that helps you reach an agreement with your spouse.
Lol, exactly my thoughts.

Strangers on the internet agree with me won't help in an argument.
by denovo
Wed Apr 11, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: California Condo Earthquake coverage - HO5 policy exception
Replies: 10
Views: 953

Re: California Condo Earthquake coverage - HO5 policy exception

I would run for the Board and get the building to add EQ coverage.

Actually, I would have never bought a condo that was foolish enough not to have earthquake coverage in So Cal or the Bay Area. It's a good sign they have no idea what they are doing.
by denovo
Wed Apr 11, 2018 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Do I have to pay taxes on unrealized dividends?
Replies: 19
Views: 1852

Re: Do I have to pay taxes on unrealized dividends?

Thesaints wrote:
Tue Apr 10, 2018 7:10 pm
There is no such thing as "unrealized dividends". Reinvested dividends simply mean that you cashed the dividend payout and immediately decided to buy more stocks.
As such, all dividends reported on your 1099-DIV are fully taxable.
boom, we got the right answer on the first reply
by denovo
Tue Apr 10, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property...Tips/Learning for Newbie
Replies: 16
Views: 1074

Re: Rental Property...Tips/Learning for Newbie

If you need a prop mgr, you shouldn't become a landlord.
by denovo
Tue Apr 10, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3200

Re: Anyone tried a sunrise alarm clock?

alec wrote:
Mon Apr 09, 2018 7:00 pm
SimonJester wrote:
Mon Apr 09, 2018 12:48 pm
Will it get my teen aged son out of bed in the mornings earlier then 5 minutes before he has to goto school :?:
LOL! I open my teenage son’s door and let the cats jump on him. That and I make him go to bed by 9 pm.
A German Shepherd would have more of an impact than a cat
by denovo
Sat Apr 07, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice for 1st time landlord
Replies: 42
Views: 3242

Re: Any advice for 1st time landlord

If you need a property manager, you're not being a landlord.

Buy into the REIT Index.
by denovo
Sat Apr 07, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and Trusts - Things to consider?
Replies: 11
Views: 750

Re: Wills and Trusts - Things to consider?

JBTX wrote:
Sat Apr 07, 2018 1:40 pm
Are you sure it is an irrevocable living trust vs a revocable living trust? If truly irrevocable then I doubt too many here can advise you unless one of the attorneys. Revocable living trusts are pretty common.
Ya, I am guessing it's a revocable too.
by denovo
Sat Apr 07, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4019

Re: What would an extra $2000 in cash flow mean for a large family?

Part of my reason for my question everyone is I just have no experience in budgeting for three (or more) growing children. Is my monthly budget going to skyrocket as the kids get older? Such that having the extra $2000 is really, really going to matter in the future? Yes it will. I wonder if you ca...
by denovo
Sat Apr 07, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1577

Re: Help needed - Getting serious w/finances

Roll the 401(k) into an IRA. You can get a nice $1,000 bonus too.
by denovo
Sat Apr 07, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13883

Re: Parents have zero savings. What can I do?

My in-laws have zero savings for retirement and I'm concerned about how it will impact our financial future. I'm here because I'm not sure what steps I can take, or what I should be thinking about. I don't yet have a complete understanding of how this will affect me and my spouse over the next 20+ ...
by denovo
Sat Apr 07, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: tips on transitioning to a 3 fund portfolio
Replies: 15
Views: 977

Re: tips on transitioning to a 3 fund portfolio

Thanks for the feedback. We're fortunate that we will be in the highest tax bracket for the foreseeable future. I listed the mutual funds as they make up 50% of the value of the portfolio. I was interested to see if anyone had a visceral reaction to any of them. I realize the ER is high and plan to...
by denovo
Sat Apr 07, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: tips on transitioning to a 3 fund portfolio
Replies: 15
Views: 977

Re: tips on transitioning to a 3 fund portfolio

We are in the process of transferring our in-kind assets from our broker to Fidelity. While we are waiting for the transfer to complete, we wanted some feedback on how to best move the assets into a 3 fund portfolio. The portfolio value is 50% stocks & 50% mutual funds. There are 110 stocks and 6 m...
by denovo
Sat Apr 07, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4019

Re: What would an extra $2000 in cash flow mean for a large family?

Part of my reason for my question everyone is I just have no experience in budgeting for three (or more) growing children. Is my monthly budget going to skyrocket as the kids get older? Such that having the extra $2000 is really, really going to matter in the future? Yes it will. I wonder if you ca...