Search found 4090 matches

by denovo
Wed Jul 18, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 20
Views: 1116

Re: Possible Knob & Tube in an older home.

I would be a newer house if that's possible.
by denovo
Wed Jul 18, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 16
Views: 1070

Re: Need Help Evaluating HVAC Needs and Quotes

livesoft wrote:
Tue Jul 17, 2018 10:51 am
Get two more quotes.
+1
by denovo
Wed Jul 18, 2018 4:00 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37931

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

juana wrote:
Tue Jul 17, 2018 4:02 pm
just read article in Wall Street Journal...when you sign up, you have agreed to their use of all your information, for anything, for their profit...
it is theirs...beware of too good to be true offers you are paying a high price for that Moviepass .
Do you use Google? Facebook?
by denovo
Mon Jul 16, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2591

Re: Would you pay $120 for a 5 year dishwasher warranty?

I don't usually buy extended warranties (they extend from the manufacture's warranty, so a 5-year warranty is just adding a couple years onto the existing one by the manufacturer). But, the last time I bought major appliances, a washer and a dryer, the on-line comments made it clear that either the...
by denovo
Mon Jul 16, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2591

Re: Would you pay $120 for a 5 year dishwasher warranty?

I bought this dishwasher today: https://www.whirlpool.com/kitchen/dishwasher-and-cleaning/dishwashers/built-in-hidden-control-console/p.dishwasher-with-fan-dry.wdt730pahz.html and decided to buy the 5 year warranty for $120 Any thoughts? You made the wrong decision. See million threads about consum...
by denovo
Mon Jul 16, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37931

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

metrunt wrote:
Mon Jul 16, 2018 11:36 am
I wanted to see a movie yesterday, but of the 14 screens in my town, the 2-3 Sunday afternoon/evening shows (say 35 possible movies), 28 of them were surge priced.

Ridiculous.
what city
by denovo
Mon Jul 16, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 85
Views: 8870

Re: Amazon Prime Day 2018

The Fire TV 4K Streaming Media device is at $34.99 right now. That's the lowest price I've seen for that particular model -- it's been around $49 before, but this is definitely the lowest for a new non-refurb unit. Needless to say, I bought one. Can't wait to try it out on my new 4K tv. There is li...
by denovo
Thu Jul 12, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 53
Views: 5951

Re: Costco Membership

zennioptical.com especially if he breaks them a lot, they are cheap and give you good deals like 50 percent off if you buy 2 at a time This is great. I love zenni. They used to have $9 glasses. I'm sure the prices are a bit higher now. Go take a look. also I "think" the Costco optical is a contract...
by denovo
Thu Jul 12, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2128

Re: Preparing non-technocrat spouse $ Mgmt

RetiredAL wrote:
Wed Jul 11, 2018 7:19 pm




I'm interested to hear what proactive steps/ideas others with a similar spouse concerns have done to help.
Do you have any kids you can enlist that you and your wife trust?
by denovo
Thu Jul 12, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3341

Re: New construction: financing fell through, builder won't return deposit/earnest $

Raabe34 wrote:
Thu Jul 12, 2018 2:25 pm
If I were in your shoes I would recognize that I signed a contract and did not perform and therefore forfeit the deposit.
Ya, and give up 15k. Sure....
by denovo
Thu Jul 12, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Amex in Europe
Replies: 18
Views: 999

Re: Amex in Europe

My wife and I will be vacationing in Europe next month and a friend of mine who travels more extensively then us suggested we leave our American Express card at home and bring my Chase Sapphire Reserve Card and Cap One card .He told me Amex is very "limited" in Europe ! Is this true ? As you probab...
by denovo
Thu Jul 12, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 53
Views: 5951

Re: Costco Membership

zennioptical.com especially if he breaks them a lot, they are cheap and give you good deals like 50 percent off if you buy 2 at a time
remomnyc wrote:
Thu Jul 12, 2018 2:11 pm
My son just lost/broke his 4th pair of glasses this year.
by denovo
Thu Jul 12, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 2850

Re: Grandpa's 88 and has term life insurance

Rupert wrote:
Thu Jul 12, 2018 12:27 pm
Cancel it, and I wouldn't be so sure about the "sound mind" if he's paying $900/month for a $100K term life insurance policy.
+1
by denovo
Thu Jul 12, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 37
Views: 3341

Re: New construction: financing fell through, builder won't return deposit/earnest $

Hi all, The sales guy said "No problem" and "We're not in the business of keeping people's deposits, if your financing falls through you'll get it back." (I've since read online that this is a very common thing to say and that it doesn't amount to a hill of beans...) ....We filed a cancellation not...
by denovo
Wed Jul 11, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Living above means until March 1st
Replies: 16
Views: 2077

Re: Living above means until March 1st

Due to circumstances my monthly outflow will now be about $300-$400 over my inflow until March. Has anyone ever been in this situation? Although I can survive the event it is a hard one mentally. Looking for some mental insight from those who may of had to take a negative cashflow short term like t...
by denovo
Mon Jul 09, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Continue to Rent or Sell
Replies: 20
Views: 1538

Re: Rental Property - Continue to Rent or Sell

I have a small family house that I inherited in another town. We have been renting the house for the last few years. It is worth about $120,000. It returns about 7% gross and about 5% net of normal expenses. My accountant takes a $4,000 depreciation so that helps to alleviate taxes. It is not much ...
by denovo
Sun Jul 08, 2018 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 4004

Re: Pitfalls of real estate investing

Go to biggerpockets.com For what bogleheads is for index funds, that site is for real estate. Exactly! And you will find that there are subforums for Michigan and Detroit (https://www.biggerpockets.com/forums/697-detroit-real-estate-forum). And, like Bogleheads, it is free I kind of disagree. Bigge...
by denovo
Sun Jul 08, 2018 3:23 am
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 4004

Re: Pitfalls of real estate investing

Hi all, I'm a firm Boglehead index junkie. However, for the last decade, my father's firm belief is that real estate is the better option. Recently, he's turned his sights to Detroit downtown and thinks there's some great returns there. He's a foreigner, and does not have any residency in USA. All ...
by denovo
Sun Jul 08, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Home Rental application questions
Replies: 12
Views: 1445

Re: Home Rental application questions

I have a couple questions regarding rental application. 1. Is it normal to ask for 2 recent tax return (on top of credit check and pay stubs)? 2. Is the rental credit check different from Experian/TransUnion/Equifax ? 3. If #2 is the same, is it the norm I could run it myself and give the owner a c...
by denovo
Sat Jul 07, 2018 3:52 am
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1377

Re: Replacing only 2 tires out of 4?

The front tires wear out faster than the back. If I'm not diligent about rotating, the wear of the front is more than the back, and then the tire place refuses to rotate them, saying the better tread needs to be on the back...so the front then continues to wear more. This does not sound quite right...
by denovo
Sat Jul 07, 2018 3:49 am
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1377

Re: Replacing only 2 tires out of 4?

Nothing wrong with changing two tires. Tread on rears should match each other, ok if it doesn't match front.

New tires ALWAYS go on the rear.

Put it in your personal calendar to rotate tires. America's Tire comes with lifetime rotating and balancing and has great deals and will match.
by denovo
Sat Jul 07, 2018 3:45 am
Forum: Personal Finance (Not Investing)
Topic: Where to get credit check for landlord?
Replies: 18
Views: 1422

Re: Where to get credit check for landlord?

You are dealing with an amateur landlord. Will you be asked to do your own repairs as well? There are services the landlord can set up like TransUnion Smartmove. The prospective tenant pays the credit/background check fee and gets back info about whether they meet the landlord's criteria, and if no...
by denovo
Sat Jul 07, 2018 3:41 am
Forum: Personal Finance (Not Investing)
Topic: Where to get credit check for landlord?
Replies: 18
Views: 1422

Re: Where to get credit check for landlord?

interesting, never heard of that--but I like you haven't rented for myself in 25+ years. I would think that is the Landlords responsibility and cost to incur, not yours. You co-sign on the lease and provide SS# and current address. This is a very peculiar statement. I can't say I know the laws of a...
by denovo
Thu Jul 05, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7612

Re: Trust Help From Cruel Stepmother

fair4den wrote:
Mon Jun 18, 2018 4:32 pm
Unfortunately I know this is a common situation and I am sooo sorry to read how devastated stepchildren are when the stepmother takes everything, especially when it was intended to go to the children.

Any update OP
by denovo
Thu Jul 05, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can I finance a new home abroad (Carribean)???
Replies: 53
Views: 4244

Re: Can I finance a new home abroad (Carribean)???

I might have considered purchasing something locally and renting it out for the next 30 years, only to sell and use the proceeds to purchase our retirement home, however after reading through that post from @denovo that was suggested above, I do not think I am ready for that or will ever be unless ...
by denovo
Thu Jul 05, 2018 4:10 am
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5467

Re: Do Advisers Add $$$ Value?

I was an adviser for 30 years and will pick up the role again after a non-compete is over with my former firm. The first seven years as an adviser was spent trying to find ways to beat the markets. My “Aha! moment” occurred after the portfolios were not keeping up, and reading Jack’s first book, “B...
by denovo
Thu Jul 05, 2018 4:06 am
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5467

Re: Do Advisers Add $$$ Value?

Why is everyone assuming that a large number of advisers do not make some of the same mistakes as the much scorned DIY-investors, such as selling at the bottom?
by denovo
Thu Jul 05, 2018 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Gut check: Insurance options
Replies: 4
Views: 778

Re: Gut check: Insurance options

I consider auto,home,umbrella,term and disability to be necessary in your situation
by denovo
Thu Jul 05, 2018 2:42 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4045

Re: Is there a current car without a console between the front seats?

I mention the cat/vet situation because with my ancient car that almost has a bench seat (I had the dealer take out the useless console between the seats), it's easy to slide his carrying case to the passenger's seat and back, etc. He weighs 16 lbs and I am ancient, so this is not trivial. https://...
by denovo
Tue Jul 03, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37931

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

After 9 days, MoviePass support tells me that "everything is in order with my account" and is completely ignoring the issue I had, failing to explain why it didn't work, or offering any kind of compensation for the problem - I only requested one month of MoviePass. Keep in mind you can not re-sign ...
by denovo
Tue Jul 03, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: Repair Vehicle or Move On?
Replies: 22
Views: 1493

Re: Repair Vehicle or Move On?

I have a 2006 Lexus GX 470 that needs about $4,500-$5k in repairs (radiator, gaskets, valves, etc..). It currently has a 184k miles on it. I bought it used and its been a very solid vehicle to this point. I'm torn on whether I should do the repairs and try to get another couple of years out of it o...
by denovo
Sat Jun 30, 2018 2:31 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37931

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

I only used an e-ticket theater once like several months ago, so I am not familiar with all the peculiarities/bugs. I just mentioned the unlisted movie/wrong showing time for the other scenario you mentioned you tried to check in with a credit card and the showings weren't matching. Reinstalling th...
by denovo
Sat Jun 30, 2018 2:27 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37931

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

libralibra wrote:
Fri Jun 29, 2018 6:18 pm
Some Cinemark theaters are $5 all shows all day on Tuesdays (plus optional XD or 3D surcharge)
https://www.cinemark.com/discount-day
So are many AMC theaters- $5 dollar stubs.

https://www.amctheatres.com/ticket-tuesday
by denovo
Thu Jun 28, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3600

Re: Adding a trust to your homeowner's policy

Add your trust as an alternate payee under the policy. Is "alternate payee" the same as "alternate insured"? What does it actually mean? For example, just to wander afield a bit, what happens with a claim payment if the insurance has person A as the insured and person B as an alternate insured/alte...
by denovo
Thu Jun 28, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5445

Re: Why visa

So I know people sometimes get going on the evils of visa cards. Why do you or do you not use credit cards? I've never heard anyone target VISA credit cards specifically. For a large share of the population (perhaps not bogleheads) the idea is that people dont pay off their balance every month and ...
by denovo
Tue Jun 26, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7103

Re: Family dynamics/in laws/am I being petty?

When I have been similar situations, I make a mental note of the costs of my meal (and any others that I am responsible for) when the order is placed. When the bill arrives, I put my fair share of the bill (including tax and tip) in cash on the table and announce that “this covers our share.” I hav...
by denovo
Tue Jun 26, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7103

Re: Family dynamics/in laws/am I being petty?

Why not pick up the whole tab and make your SIL+BIL feel bad about it at the same time? That should make you feel good. For instance, you can simply announce, "I'm glad to pay for the whole check ... give it to me ... Thanks! ... I made a killing in the stock market AND won the lottery all this pas...
by denovo
Tue Jun 26, 2018 3:42 am
Forum: Personal Consumer Issues
Topic: I've been swindled!
Replies: 21
Views: 5401

Re: I've been swindled!

I know that there may not be much I can do and it's my own fault but I'm reaching out to the community to see if there is anything else to try. 1 month ago I sent $2000 via wire transfer to a legit looking company in Dallas for an autoclave for instrument sterilization. I thought the company came f...
by denovo
Tue Jun 26, 2018 1:26 am
Forum: Personal Consumer Issues
Topic: San Antonio and Austin trip
Replies: 23
Views: 1488

Re: San Antonio and Austin trip

LBJ Ranch is worth the drive from Austin.
by denovo
Mon Jun 25, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Used vs New - always buy new once you get to a certain point?
Replies: 31
Views: 2974

Re: Used vs New - always buy new once you get to a certain point?

Here's a formula. Save 20 percent of your income till you reach FI and spend the rest on what ever you want, if buying new doesn't knock you off 20 percent, then go for it. If you're already at FI and don't need to save anymore, spend 100 percent even if bogleheads think it's a waste of money, like ...
by denovo
Sun Jun 24, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7612

Re: Trust Help From Cruel Stepmother

Unfortunately I know this is a common situation and I am sooo sorry to read how devastated stepchildren are when the stepmother takes everything, especially when it was intended to go to the children. Just a small glimpse into our horrific ordeal: We had to find out the date and location of our dad...
by denovo
Sun Jun 24, 2018 2:07 am
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7612

Re: Trust Help From Cruel Stepmother

Thank you Celia for the advice. By the way, the things that he told us he wanted us to have is only 1/4 of his entire estate. His second wife is well taken care of... To summarize and help others in our shoes we have tried and been unsuccessful 1) Looking up trust info at the recorder's office 2) A...
by denovo
Sat Jun 23, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7612

Re: Trust Help From Cruel Stepmother

Thank you all so much for taking the time to help and for your words of comfort. It seems we have had no luck at the recorder's office or any public database. Could only find deeds of houses but no lawyer information and no copy of trust. It appears trust are not made public..at least not in our ca...
by denovo
Sat Jun 23, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7612

Re: Trust Help From Cruel Stepmother

Unfortunately I know this is a common situation and I am sooo sorry to read how devastated stepchildren are when the stepmother takes everything, especially when it was intended to go to the children. Just a small glimpse into our horrific ordeal: We had to find out the date and location of our dad...
by denovo
Sat Jun 23, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37931

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

munemaker wrote:
Sat Jun 23, 2018 7:49 pm
Nate79 wrote:
Sat Jun 23, 2018 6:48 pm
Moviepass to start implementing surge pricing for popular movies

https://www.doctorofcredit.com/moviepas ... rs-exempt/
...and MunEMaker will be cancelling his subscription as a result.
Still a great deal...
by denovo
Sat Jun 23, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 39
Views: 3607

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

My baseless prediction: Fees will go to zero and then we will be paid to invest. My son asked me to take a look at his 401k at Fidelity where his first paycheck made a contribution. The S&P fund there is 0.01283%. Yes....less than half of what SCHB charges. I'm sure the company pays some fees. But ...
by denovo
Sat Jun 23, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5681

Re: Surprise - Costco sells - but does not install vehicle batteries

Takes 10 min to install a new battery. Would you pay others $50 install fee? In our area installs are free. 10 minutes to install a battery sure. But how long does it take to get a ride to the store. It's not like every dead battery happens in front of someones house? AAA my friends saves time. Tim...
by denovo
Sat Jun 23, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5681

Re: Surprise - Costco sells - but does not install vehicle batteries

I say this is completely wrong. If you own a car you should have AAA. You never will know when the car will break down and you need a tow. Another good use of AAA is they offer bettery service. Your battery dies they come test the charging system and if it's the battery they will replace it. I have...