Search found 4352 matches

by denovo
Tue Nov 13, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3139

Re: Can you suggest where to live if work at UCLA

I have had other friends and family go to UCLA. They all learned by experience not to live much east of campus. One started in the Fairfax area, commuting, and the area was so gritty, he finally moved to rent a room at the beach in Santa Monica, paid a lot more but loved it and felt safer. how many...
by denovo
Mon Nov 12, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3139

Re: Can you suggest where to live if work at UCLA

I have had other friends and family go to UCLA. They all learned by experience not to live much east of campus. One started in the Fairfax area, commuting, and the area was so gritty, he finally moved to rent a room at the beach in Santa Monica, paid a lot more but loved it and felt safer. how many...
by denovo
Mon Nov 12, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: new car [pay cash?]
Replies: 15
Views: 1235

Re: new car [pay cash?]

kenoryan wrote:
Mon Nov 12, 2018 6:50 pm
I’ve bought my last 4 cars for cash. I think I get the best deal when I pay cash.
Dealers make money if a loan is acquired through a dealer. You won't get a better deal for paying cash.
by denovo
Mon Nov 12, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Kids Inheritance - Lump Sum or SWR?
Replies: 13
Views: 1243

Re: Kids Inheritance - Lump Sum or SWR?

ThankYouJack wrote:
Sun Nov 11, 2018 5:55 pm
How's your will / trust set up to transfer your estate to your kids? I know lump sums are common, but I wonder if a SWR say 4% would be better for young adults
I assume age would be relevant. 20 v 30 v 40, etc.
by denovo
Mon Nov 12, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 1965

Re: Trying to move out.

That's a lot of words. Here's a shorter version: "I'm afraid my dog and my girlfriend's dog might not get along but I want to move in with her. What should I do?" All the talk about separate crating and upstairs/downstairs is, quite frankly, crazy talk. You're not going to do that for 5+ years, or ...
by denovo
Mon Nov 12, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3139

Re: Can you suggest where to live if work at UCLA

I have a potential job at UCLA but I am not familiar with the area. If you were moving to this area, where would you look if you wanted to buy a home? What neighborhoods are good/safe/decent places to live? Can you tell me anything I need to know in terms of areas to look and areas to avoid and any...
by denovo
Sun Nov 04, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5983

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Time for a new car and have decided to splurge a little in our old age. We currently have a BMW series 3 with 110K miles and like it a lot. May even be doing European Delivery. Your take on 2019 MB E Class or BMW Series 5 or Audi 6?Just doing research now and will buy some time after the New Year. ...
by denovo
Sun Nov 04, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5983

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Time for a new car and have decided to splurge a little in our old age. We currently have a BMW series 3 with 110K miles and like it a lot. May even be doing European Delivery. Your take on 2019 MB E Class or BMW Series 5 or Audi 6?Just doing research now and will buy some time after the New Year. ...
by denovo
Sat Nov 03, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1772

Re: Credit card SurCharges

sport wrote:
Sat Nov 03, 2018 10:59 am
Now that you know about the policy, one way around it is (gasp!) a paper check. An alternative would be to find another shop and tell the old one why you will no longer be a customer.
Some small businesses do not accept checks.
by denovo
Fri Nov 02, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2157

Re: Typical house selling costs

Bogle7 wrote:
Fri Oct 26, 2018 12:55 pm
Figure on 8% for a new house.
No one smart pays 6% commission anymore
by denovo
Fri Nov 02, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4178

Re: Extreme credit card debt

Hi everyone. I've lurked here in the past but never posted. But I've got myself in some serious trouble and am looking for advice. I have $71k in credit card debt due to some bad decisions I made in the past trying to grow a side business. I'm totally out of the business now with no remaining asset...
by denovo
Tue Oct 30, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3354

Re: Planning first international trip - London/Paris

My wife and I are planning our first international trip. We are planning on spending six full days in Europe the last week of April. We are flying non-stop from Atlanta to Heathrow airport. 1. What part of the city do you recommend staying? Is this walking distance to any major tourist areas? 2. Sh...
by denovo
Mon Oct 29, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4931

Re: Should I co-sign for relative?

pennylane wrote:
Mon Oct 29, 2018 5:36 pm
Thanks everyone for the input.

What did you decide to do?
by denovo
Mon Oct 29, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6237

Re: Anyone else feel giddy every time VXUS gets creamed?

I don't get "giddy" at a falling market, as a falling market can have negative impacts on the economy and individuals. If the market continues to crater, your job may disappear, which would likely prevent any more equity purchases. I do see the falling market as a silver lining, and am glad that my...
by denovo
Mon Oct 29, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6237

Re: Anyone else feel giddy every time VXUS gets creamed?

hdas wrote:
Mon Oct 29, 2018 3:29 pm
This is apt to describe the sentiment of this thread

Image

+1
by denovo
Sat Oct 27, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Costco, Coursera...
Replies: 39
Views: 5389

Re: Vanguard, Costco, Coursera...

GerryL wrote:
Mon Oct 22, 2018 6:32 pm
Your local public library for books, ebooks, dvds, even streaming movies, and lots more.
My library allows me to get audiobooks and ebooks on my phone without my lazy butt even having to go to the library.
by denovo
Tue Oct 23, 2018 2:42 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1713

Re: What do you spend your money on outside of expenses and investments?

Plz wrote:
Tue Oct 23, 2018 2:30 am
denovo wrote:
Tue Oct 23, 2018 2:25 am
Everything you spend money on outside savings is an expense.
While I suppose this is technically true, I’m sure you understood the spirit of the question
The question is so overly broad. A lot of people have hobbies they like to spend money on. What do you do when you're not working?
by denovo
Tue Oct 23, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1713

Re: What do you spend your money on outside of expenses and investments?

Everything you spend money on outside savings is an expense.
by denovo
Tue Oct 23, 2018 1:38 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25694

Re: PSA: Don't buy a big house

sunny_socal wrote:
Mon Oct 22, 2018 8:47 am
We just moved from CA to TX. We ended up buying a McMansion compared to what we had before:
- 4 BR, 4BA
- 3750 sq ft (Note: For many I'm sure this will still be 'small'...)

Do you use all 3,700 sq. ft or are there empty rooms?
by denovo
Mon Oct 22, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Privacy Protections for a Patient Death Preceding Passage of HIPAA
Replies: 7
Views: 835

Re: Privacy Protections for a Patient Death Preceding Passage of HIPAA

I am researching a relative (my late grandmother's sister) for purposes of constructing a family tree. My relative died in 1977. At the time of her death, she was a patient in a psychiatric hospital in PA. I am seeking information such as her spouse's name, whether there were any children, etc. My ...
by denovo
Sun Oct 21, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3087

Re: Why Purchase an Automobile using Premium Gasoline?

denovo, I do not know whether that is true in the context of Nissan Altima. After the 2006 model, the newer model like the 2014 Nissan Altima 3.5 does not use premier gas. I would assume that 2014 Nissan Altima 3.5 is at least as powerful as the 2006 Nissan Altima 3.5SL. KlangFool You wanted to com...
by denovo
Sun Oct 21, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3087

Re: Why Purchase an Automobile using Premium Gasoline?

denovo, I do not know whether that is true in the context of Nissan Altima. After the 2006 model, the newer model like the 2014 Nissan Altima 3.5 does not use premier gas. I would assume that 2014 Nissan Altima 3.5 is at least as powerful as the 2006 Nissan Altima 3.5SL. KlangFool You wanted to com...
by denovo
Sun Oct 21, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3087

Re: Why Purchase an Automobile using Premium Gasoline?

How many consider the type of gasoline an automobile uses when purchasing? Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience. What justifies the choice of significantly more expensive fuel other than simp...
by denovo
Sun Oct 21, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an apartment in China
Replies: 14
Views: 1620

Re: Buying an apartment in China

Makane wrote:
Sun Oct 21, 2018 12:21 pm
Hi all,


Me and my girlfriend seem to have found a nice deal


Did I miss something?
I would not recc. buying property with your girlfriend jointly if that is what you are planning on.
by denovo
Sun Oct 21, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3087

Re: Why Purchase an Automobile using Premium Gasoline?

How many consider the type of gasoline an automobile uses when purchasing? Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience. What justifies the choice of significantly more expensive fuel other than simp...
by denovo
Sun Oct 21, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3087

Re: Why Purchase an Automobile using Premium Gasoline?

Nowizard wrote:
Sun Oct 21, 2018 12:28 pm
Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience.

Oh really, please tell me any cars that use regular, unleaded that can go 0-60 in less than 4.5 seconds?
by denovo
Sun Oct 21, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6051

Re: Pull kids from school for vacations?

I didn't realize this would be such a heated topic.
by denovo
Fri Oct 19, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax - Deliquency date
Replies: 11
Views: 883

Re: Property Tax - Deliquency date

FB01 wrote:
Fri Oct 19, 2018 6:54 pm
Hi,

I got my property tax bill. It says Due date Nov 1st and Deliquent after Dec 10th.

Does that mean that I can pay the amount anytime before Dec 10th and I will not be charged any penalty.....
yes
by denovo
Thu Oct 18, 2018 1:21 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3526

Re: Car servicing

jackal wrote:
Wed Oct 17, 2018 10:25 am
Own a 2010 Honda Civic and the dealer seems to keep finding new problems and each service runs me 500 or so. Thinking of switching dealers. Any suggestions on where to take my car? Currently I use a Honda dealer.
Thank you.
Stop going to dealers
by denovo
Tue Oct 16, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Help: Potential car lease fraud?
Replies: 6
Views: 1217

Re: Help: Potential car lease fraud?

I received a letter from a car dealer saying that my lease for a Ford Escape is about to expire, and I can return my Ford to their dealership instead of the one from which I originally leased the car. However, I have not and have never leased a Ford Escape or any other car, and I have never done bu...
by denovo
Sun Oct 14, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Application Form Ideas
Replies: 9
Views: 573

Re: Rental Application Form Ideas

Hey, a little while back I posted about renting a property and received some great feedback. I'm moving forward with the process (slowly) and am wondering if anyone has ideas on how to create a rental application form (basically a sheet for perspective tenants to fill out). If anyone has done this ...
by denovo
Sun Oct 14, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10881

Re: Should we move to San Diego from east coast?

We are a young family and live in the east cost now and have family who live in San Diego. Whenever we go to SD we always think of moving there, the weather there is good almost most of the year. The part that makes us think more than twice is the real estate price and taxes. But on the other hand ...
by denovo
Sun Oct 14, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

There's another big issue with this kind of thinking, one that millions who believe that buying in bulk will save them money are overlooking: increased volume of goods leads to increased consumption of those goods . This is a well documented phenomenon. At some point, consumer reach a satiation poi...
by denovo
Sun Oct 14, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1785

Re: Home Depot Stock

willybiggs wrote:
Sat Oct 13, 2018 12:57 pm
HD is one of the great buy and hold stocks. I too have held mine since the early 90's. However it is in a tax deferred account.
Some said the same thing about GE, Sears, and Kodak at one time....
by denovo
Sun Oct 14, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7271

Re: Just Divorced -- Need Help [looking for new credit card]

My credit went from near perfect to mid 600s due to my divorce. I was awarded all of my ex-wife's credit card debt she racked up while we were separated. What is the best all around credit card I can transfer the balances to as I work to repair my credit? In a perfect world, I'd prefer the card hav...
by denovo
Sun Oct 14, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: Help: Potential car lease fraud?
Replies: 6
Views: 1217

Re: Help: Potential car lease fraud?

I received a letter from a car dealer saying that my lease for a Ford Escape is about to expire, and I can return my Ford to their dealership instead of the one from which I originally leased the car. However, I have not and have never leased a Ford Escape or any other car, and I have never done bu...
by denovo
Sun Oct 14, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: Suit for Teenager
Replies: 18
Views: 1238

Re: Suit for Teenager

kjvmartin wrote:
Sat Oct 13, 2018 11:55 pm
Kohl's.

Keep an eye out as Black Friday approaches. You'll likely find 40% off sometime soon.
Kohl's is coupon-crazy. If you go there without getting at least 30 percent off you're doing something wrong.
by denovo
Tue Oct 09, 2018 1:57 am
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2097

Re: Advice on Three-Night English Road Trip

My wife has never been to the UK or France, and it has been 40 years since I was last there. After six nights in Paris and four in London, we're planning to rent a car, possibly at Heathrow, as that is where we will need to end up. Here's what I'm thinking: I vote to add 2 nights to London and one ...
by denovo
Sun Oct 07, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can you give "spousal" health insurance to a non-spouse?
Replies: 31
Views: 1599

Re: Can you give "spousal" health insurance to a non-spouse?

AndroAsc wrote:
Sun Oct 07, 2018 7:26 pm
I find it rather discriminating the health insurance allows you to extend your coverage to family and spouse, but not a friend in need.

No, it's not discrimination.
by denovo
Sun Oct 07, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can you give "spousal" health insurance to a non-spouse?
Replies: 31
Views: 1599

Re: Can you give "spousal" health insurance to a non-spouse?

AndroAsc wrote:
Sun Oct 07, 2018 7:26 pm
I find it rather discriminating the health insurance allows you to extend your coverage to family and spouse, but not a friend in need.

Is there anyway you can extend health insurance to cover a friend (not related by blood, adoption or spouse)?
Buy them a plan with your own money.
by denovo
Sat Oct 06, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Level of Auto Insurance to carry
Replies: 35
Views: 1883

Re: Level of Auto Insurance to carry

m@ver1ck wrote:
Sat Oct 06, 2018 1:25 pm
Now I'm thinking that might not be the smartest thing to do.
May help if you tell us why it's not the smartest thing to do.
by denovo
Sat Oct 06, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my rental properties?
Replies: 6
Views: 776

Re: Should I sell my rental properties?

Thanks for all the inputs. I think I will sell my property closer to when my renters lease expires. I don't think I've depreciated either houses... What's the % I should be depreciating per year? Please consult with a CPA or other tax professional. How have you been doing your taxes for the rentals...
by denovo
Sat Oct 06, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my rental properties?
Replies: 6
Views: 776

Re: Should I sell my rental properties?

I think you should sell because I think it's a mistake to own rentals if you are doing things remotely with property managers. Also, because I don't think you have the requisite background. For example, your calculation on selling is wrong. You have to deduct the depreciation you took from the cost ...
by denovo
Wed Oct 03, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1499

Re: Accepting a Contingency Offer

We received one of these when we were selling our last house - not entirely uncommon; we wrote up a counter-acceptance that we accepted the contingency offer with the condition that if we received another offer on our house before we closed with them, they had 24 hours to remove the contingency or ...
by denovo
Wed Oct 03, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1499

Re: Accepting a Contingency Offer

biscuit wrote:
Wed Oct 03, 2018 2:55 pm
We just put our rental house for sale 5 days ago. We received a contingency offer upon the buyer selling their house. The buyer's house just went under contract (contingency offer from their buyer selling their house in CA). The house is located in Austin, TX.

What did your agent tell you?
by denovo
Wed Oct 03, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Best Forums Guide!
Replies: 7
Views: 1061

Re: Best Forums Guide!

There aren't really good forums for most topics. Forums aren't really popular in today's internet
by denovo
Wed Oct 03, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Comcast Triple Play modem
Replies: 9
Views: 587

Re: Comcast Triple Play modem

NavyIC3 wrote:
Wed Oct 03, 2018 2:38 pm
I have the Netgear CM500V. It was $129 at Bestbuy. Works perfectly. I use a seperate router.
This works, with a decent router for another $30-40, that's like $160.

A good deal cheaper then renting from Comcast
by denovo
Wed Oct 03, 2018 2:50 am
Forum: Personal Finance (Not Investing)
Topic: Pension plan choice of annuity or cash payout
Replies: 27
Views: 2873

Re: Pension plan choice of annuity or cash payout

Is the annuity insured by the PBGC?
by denovo
Wed Oct 03, 2018 2:15 am
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3511

Re: Remember traveler's checks? How to cash a forgotten stash

AlohaJoe wrote:
Tue Oct 02, 2018 11:42 pm
What did Barclay's say when you called them and asked?
+1