Search found 4002 matches

by denovo
Sat May 19, 2018 3:49 am
Forum: Personal Consumer Issues
Topic: Cinque Terre, Italy private boat tour
Replies: 7
Views: 855

Re: Cinque Terre, Italy private boat tour

We'll have one day in Cinque Terre next May, during a cruise stop. This particular port of call is the "most special" for DH, so I'd like to arrange a * private* boat tour . We'll be docking in La Spezia. Any recommendations would be terrific. (We might spend some time on land also, but the prime g...
by denovo
Sat May 19, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 29
Views: 1541

Re: Nephew graduating high school & joining military. Gift Ideas?

If I get him a Nintendo switch everyone would expect one, including myself 😂 First command financial services.. got it. I'll tell him to stay away from military star card too they got me when I was in by saying I could walkout with a laptop on credit. Very bad choice in retrospect, develops bad hab...
by denovo
Thu May 17, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Scholarships for elementary school education
Replies: 5
Views: 456

Re: Scholarships for elementary school education

This is an area I don't know anything about - but is there such a thing as scholarships for private elementary school education? I am only familiar with how this works on the collegiate level. Thank you. Jack is right. The school itself is thee source of scholarships and may have an idea about othe...
by denovo
Thu May 17, 2018 12:44 am
Forum: Personal Consumer Issues
Topic: 2018 Yellowstone Trip advice needed
Replies: 20
Views: 1344

Re: 2018 Yellowstone Trip advice needed

it is not clear that you have confirmed bookings at Canyon Lodge. Also note that road closures can happen due to fires, so you may wish to have some contingency plans. For instance in 2016, the road north from Moran into Yellowstone was closed for a week or so. We flew in/out of Jackson using Frequ...
by denovo
Thu May 17, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6604

Re: Mortgage decision killing me

But, with you having such a big pile of cash sitting on the sidelines, this doesn't concern me as much. If you wake up 7 years from now to find your rate increasing 2% a year, and 30 year mortgages at 7.5% - you can just pay off your mortgage and call it a day. Depending on what's in his brokerage ...
by denovo
Thu May 17, 2018 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6604

Re: Mortgage decision killing me

sorry, but the ARM makes no sense to me. Sure, a recession could be coming, but so could another 5 year economic boom, which raises interest rates. I'd go with the 30 and pay it down faster. If rates do drop, you can always do a no-cost refi. What makes you think we can't have a recession and high ...
by denovo
Thu May 17, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8505

Re: Golden Handcuffs

BradJ wrote:
Wed May 16, 2018 9:19 am
. My company encourages me to take leadership classes because they “see something” in me.....but isn’t every employee told that?
Is it possible you're a "line" worker , sorry terminology may be different depending on your industry, and they want you go to a management track?
by denovo
Thu May 17, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 240
Views: 30776

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

... I fear it will not last through our anniversary date in November. I am going to ride this horse 'till it drops. +1 Ya, at the end of the day, it's 10 dollars a month and I've gotten more than my money's worth. Is it possible that 5 days after one billing date the company will go bankrupt, sure ...
by denovo
Thu May 17, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 240
Views: 30776

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

FYI, the CEO of MoviePass was noncommittal when asked if the 1 movie per day plan would come back after the iHeartRadio promotion according to Hollywood Reporter: https://www.hollywoodreporter.com/news/is-moviepass-ending-idea-30-tickets-price-one-1106014. Perhaps they're reading too much into the ...
by denovo
Thu May 17, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 240
Views: 30776

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

So will we---kind of. We generally see 40-50 movies a year in the theater, and frankly we have not watched any more simply because we have MoviePass. I wondered if our viewing pattern might change given the model, but it really has not. If a movie generally gets good reviews, we will likely see it....
by denovo
Wed May 16, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2860

Re: Brake work estimate

All, Thanks a bunch for the advice. Answers to a few qs in the thread: I live in a southern state so no salt. The front pads are fine per the shop. I prefer going to a shop rather than craigslist :) I called the shop and spoke to the owner. He reviewed the paperwork and agreed that the rotors do no...
by denovo
Wed May 16, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1294

Re: Selling land FSBO help please

I have some residential land that I'd like to sell and considering FSBO. I know this has been discussed several times on this forum but I didn't see anything in regards to bare land. It seems land lends itself to FSBO better than homes because you don't have to let anyone in. Any tips? What is the ...
by denovo
Wed May 16, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1294

Re: Selling land FSBO help please

pshonore wrote:
Wed May 16, 2018 8:30 am
When I was selling RE, typical commission rate on land was 10%. Not sure if thats still the case but you may have trouble finding a buyers agent who will accept 1%. Selling residential land is not necessarily less work than selling a house.

See my above reply.
by denovo
Wed May 16, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1294

Re: Selling land FSBO help please

I have noticed around here that a lot of the time the commission on raw land/lots is 10% when using an agent. I assume this is split evenly between buying and selling agents. Of course, you can still offer whatever you want to the buying agent (if any). I suspect it has to do with the value of the ...
by denovo
Wed May 09, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5311

Re: What's the view on dogs running free?

bengal22 wrote:
Wed May 09, 2018 12:57 pm
It wont stop bothering you regardless of replies here. Put up a fence.
first reply has the right answer
by denovo
Mon May 07, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 13
Views: 1737

Re: How are we doing?

Hi Bogleheads, 2) My 401k has really high expense ratios, should I contribute to my 401k or my wife’s Roth IRA with any extra money that we have given that our federal marginal tax rate is 22%? 3) Is there any problem with contributing $4000 to the 529 plan while not maxing my 401k? 4) We plan on m...
by denovo
Mon May 07, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Family Vacation in Late Feb
Replies: 30
Views: 1366

Re: Family Vacation in Late Feb

So wife and I will celebrate our 10 year anniversary this coming fall. We're looking to take a family vacation with our kids, who will be 9 and 8 by then, in February 2019. My wife is a teacher so unfortunately we have to go during school vacation week (peak travel to FL, the Caribbean, etc). As of...
by denovo
Mon May 07, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8031

Re: What career for smartest kid in the class?

I retired from Cardiology 13 years ago at age 54. If I were doing it now, I would choose a career other than Medicine. The average med school debt is $195,000, and we have turned physicians into professional students. If you start med school at age 25 and want to be a Cardiology subspecialist, you ...
by denovo
Fri May 04, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 612
Views: 69869

Re: Netflix, Your Current Favorite Show

I am currently watching The West Wing. I love how they portray the President so far, Martin Sheen does a great job. I like the character of Donna a lot too. This is my favorite TV show. The first 4 seasons are a masterpiece.* Season 5 is rough and uneven, bunch of good episodes mixed with some bori...
by denovo
Fri May 04, 2018 4:55 am
Forum: Personal Consumer Issues
Topic: Need advice on $5M property sale
Replies: 39
Views: 3999

Re: Need advice on $5M property sale

6 percent is a ripoff. I guarantee you will find brokers willing to do this for 2 percent.
by denovo
Thu May 03, 2018 4:36 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5244

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Do what i did... buy a lifetime warranty for around $2700 from one of the big three jeep dealers that sell the mopar warrantys online. I paid around $2700 for a true lifetime unlimited mile warranty. See the jeep garage site for more details. Ive only owned Toyotas and hondas before, and they have ...
by denovo
Wed May 02, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Decedent’s loan and estate
Replies: 3
Views: 377

Re: Decedent’s loan and estate

Hello friends, Any idea how to handle this? The decedent gave his grand daughter a loan that should be paid off in the next 2 years. If the estate settles before the loan is paid back, what happens to the loan? I guess the loan could be settled or sold, but what else? Thank you! Are you the executo...
by denovo
Mon Apr 30, 2018 5:02 am
Forum: Personal Finance (Not Investing)
Topic: AF pilots and retention bonus, glad you stayed or happy you went?
Replies: 27
Views: 3660

Re: AF pilots and retention bonus, glad you stayed or happy you went?

Again, this level of typical financial analysis is missing two factors: 1. The value (opportunity cost) of earnings elsewhere during the rest of a life. Leaving active duty does not imply that human capital plummets to zero. No one claims human capital plummets to zero. People do claim a CPI adjust...
by denovo
Sun Apr 29, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change careers?
Replies: 52
Views: 3809

Re: Should I change careers?

Could you describe your day job in more detail, I am wondering how applicable that experience is to stock picking? I have to be very careful here to not say anything that might reveal my identity in case my employer sees this thread. I evaluate private companies (everything from early stage startup...
by denovo
Sun Apr 29, 2018 4:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I change careers?
Replies: 52
Views: 3809

Re: Should I change careers?

Could you describe your day job in more detail, I am wondering how applicable that experience is to stock picking?
by denovo
Sat Apr 28, 2018 4:54 am
Forum: Investing - Theory, News & General
Topic: Can indexing be considered as active management ?
Replies: 21
Views: 1527

Re: Can indexing be considered as active management ?

I think there's a better argument for the DJIA being actively managed, since it's a small sample of 30 companies. On the other hand, you'd have to really abuse and stretch the definition of "momentum" investing to describe the SP 500 as actively managed. There are plenty of lumbering giants in the S...
by denovo
Sat Apr 28, 2018 4:44 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10253

Re: Wedding - financial burden on couple and attendees

The key to interpreting the destination wedding: if you are talked to about coming before the invitations are sent, the couple wants you there. If you just receive an invitation out of the blue for a destination wedding with no prewire, the couple doesn’t want you there. This metric should also app...
by denovo
Sat Apr 28, 2018 4:38 am
Forum: Personal Finance (Not Investing)
Topic: AF pilots and retention bonus, glad you stayed or happy you went?
Replies: 27
Views: 3660

Re: AF pilots and retention bonus, glad you stayed or happy you went?

The current AF pilot bonus is $35,000/yr, with ability to take $100,000 upfront. We would be committing to another 10 years, putting both of us at 45. Overall, the last 10 years have been fine for us. But now with aging parents and being parents, we are trying to figure out what time/life/security ...
by denovo
Sat Apr 28, 2018 4:15 am
Forum: Personal Finance (Not Investing)
Topic: AF pilots and retention bonus, glad you stayed or happy you went?
Replies: 27
Views: 3660

Re: AF pilots and retention bonus, glad you stayed or happy you went?

Even without a retention bonus, it almost always makes the most financial sense to stay in the full 20 by the time he has 10 years in. Don't underestimate the value of the military pension. Managing two careers can be difficult. A lot of people do it, even if the husband has to be a geo bachelor. T...
by denovo
Fri Apr 27, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10253

Re: Wedding - financial burden on couple and attendees

I am looking for some advice as to how to address a situation with an upcoming wedding for a close relative. They are getting married and have decided to have a "destination wedding" at a resort in Mexico. The couple is getting by financially (with some loans and credit cards) but they will go into...
by denovo
Fri Apr 27, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5904

Re: Learning to drive stick

For a $100 difference you should just get the automatic rental instead of taking the lessons. It’s one thing to be driving stick on the highway. New drivers as soon as they get into a stressful situation, have to attack a hill where people are right behind you, have to deal with aggressive foreign ...
by denovo
Thu Apr 26, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question: inherited real estate - how to get a tax basis?
Replies: 17
Views: 1439

Re: Quick question: inherited real estate - how to get a tax basis?

IlliniDave wrote:
Thu Apr 26, 2018 11:07 am

I had thought to simply hire a certified appraiser and get the property appraisal to establish a basis.
Thanks.

Yes. That's the best approach
by denovo
Thu Apr 26, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10797

Amazon to raise Prime membership in US to $119 from $99

"Amazon to raise Prime membership in US to $119 from $99" https://www.cnet.com/news/amazon-to-raise-prime-membership-in-us-to-119-from-99/ Amazon finance chief Brian Olsavsky said Thursday that his company will hike Prime's fee to $119 a year, from $99, on May 11. The new price will apply to existin...
by denovo
Thu Apr 26, 2018 3:00 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10253

Re: Wedding - financial burden on couple and attendees

over45 wrote:
Wed Apr 25, 2018 3:21 pm

Many in the family really want to see them get married and be part of their special day, and have asked if I can talk with them about an alternative arrangement.
Help...
Don't become the focal point of drama. Stay out of it. They want you to be the bad guy.
by denovo
Mon Apr 23, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 2961

Re: Your own General Contractor

BradJ wrote:
Mon Apr 23, 2018 10:47 am
As far as my construction knowledge, I know enough to make me dangerous, as they say.
Want to elaborate on what experience you have?
by denovo
Sun Apr 22, 2018 1:43 am
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 2961

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: 827

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: 87
Views: 5062

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: 687

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: 3336

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: 198
Views: 15454

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: 198
Views: 15454

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: 198
Views: 15454

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: 47
Views: 4094

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: 1070

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: 1718

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: 192
Views: 13779

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: 3317

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: 92
Views: 5995

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...