Search found 3572 matches

by denovo
Tue Jan 16, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance in excess of federal plan
Replies: 2
Views: 94

Re: Flood Insurance in excess of federal plan

Floods that literally wash away the home are pretty rare. I don't think most damage in the recent storms were of that nature.
by denovo
Mon Jan 15, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 55
Views: 3090

Re: Are land line phones still being supported?

They are the absolute lowest priority. Expect costs to go up and support to go down year by year until they are eliminated. Hard to believe. There are still places without fast internet or cell reception in the US. My parents house is one of them. Without a land line they'd have nothing. I am talki...
by denovo
Sun Jan 14, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 55
Views: 3090

Re: Are land line phones still being supported?

They are the absolute lowest priority. Expect costs to go up and support to go down year by year until they are
eliminated.
by denovo
Sun Jan 14, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 268
Views: 64956

Re: My New Car Buying Tips

Ithrive wrote:
Sun Jan 14, 2018 4:08 am
Question: How do you find out the email addresses for the dealerships? There has to be an easier way than calling them all to ask and it's not listed on the webpages I've checked.

Thanks
Look more carefully. Most have a directory or contact option.
by denovo
Sat Jan 13, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: Telematics and Auto Insurance
Replies: 13
Views: 752

Re: Telematics and Auto Insurance

No, thanks. I value my privacy too much.
by denovo
Fri Jan 12, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 17
Views: 1251

Re: Best Movies of 2017

travellight wrote:
Fri Jan 12, 2018 8:41 pm
Molly's game.
Wonder.

If you liked Molly's Game, you'd probably get a big kick out of binge-watching Sorkin's stuff.

The West Wing (on Netflix)

The Newsroom (HBO)

https://en.wikipedia.org/wiki/Aaron_Sorkin#Films
by denovo
Fri Jan 12, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 17
Views: 1251

Re: Best Movies of 2017

Molly's Game
by denovo
Thu Jan 11, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 50
Views: 4171

Re: Getting your spouse on the same page

You know your wife better than others here on this forum. Everyone changes the mind based on differing modes of presentation. You have the best idea what would work, not us.
by denovo
Thu Jan 11, 2018 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 39
Views: 5533

Re: Credit score dropped 30 points because I paid off my auto loan?

Rupert wrote:
Wed Mar 29, 2017 12:06 pm
That 30-point drop is not going to affect your ability to get a mortgage or the rates you qualify for. Typically, a score anywhere between 760 and 850 will qualify you for the best rates.
+1
by denovo
Thu Jan 11, 2018 1:38 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1513

Re: How to pay for a new kitchen and dinning room

How on earth could it cost $100K to remodel a kitchen and dining room? I'm not sure how you would even remodel a dining room, other than new paint/carpet/furniture. That sounds like about $3K - $4K tops. 20K for cabinets. 10K for solid stone counters. 10K for high end pro-consumer appliances. 5K fo...
by denovo
Thu Jan 11, 2018 1:35 am
Forum: Personal Consumer Issues
Topic: Online source for Eastern European/Russian Foods
Replies: 3
Views: 290

Re: Online source for Eastern European/Russian Foods

If you live in a large metro with a decent number of people from Russian/Eastern Europe decent, your best bet is to find a local "ethnic" grocery market that specializes in foodstuffs from that region. They are around. But they're usually small, in strip malls in small locations.
by denovo
Wed Jan 10, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 27
Views: 2812

Re: Buying a car?

Ok I guess that's what I'll do. I really like my old car though, which I why I'm debating on seeing if I can lower the cost of some parts or even get a better deal at another body shop. Does that estimate seem reasonable though? The estimate is very reasonable. The parts are cheap and that's a low ...
by denovo
Wed Jan 10, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1892

Re: home inspection on house I already live in?

Thanks for all the advice, everyone. If I do decide to buy this particular house, I will probably get the inspection just for peace of mind. It's not a house I want to stay in long term, since it doesn't check off all the boxes I'm looking for, but my options at this point are find a house I like a...
by denovo
Wed Jan 10, 2018 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 200
Views: 9404

Re: Trusts for adults Children

My parents received their inheritances with no strings attached. I wouldn't expect to be treated any differently and would be offended if they think they couldn't trust me to manage the money or when to use it. denovo - you're obviously trapped in a paradigm where any control that a trust may impos...
by denovo
Wed Jan 10, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 200
Views: 9404

Re: Trusts for adults Children

I am talking about the contraptions that limit what you can withdraw or assign somebody else as a trustee to boss you around. I would be extremely offended if my parents tried to cook up anything like that. Interesting. Most of the trusts that we discuss on the forum are nothing like this. Certainl...
by denovo
Tue Jan 09, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 200
Views: 9404

Re: Trusts for adults Children

So you see no issues with two 20-somethings inheriting a seven-figure estate before they have even launched their own careers? That's baffling to me. That kind of cash would throw an adult nearing retirement for a loop -- let alone a veritable kid. I trust my kids to exercise good judgment, but you...
by denovo
Tue Jan 09, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1892

Re: home inspection on house I already live in?

Another person who has found home inspection reports to be worthless. On my last house, they mentioned three lightbulbs that were burnt out and two outlets missing covers. They didn't tell me that the sump pump wasn't installed to code or that the kitchen sink was leaking and had rotted out the bot...
by denovo
Tue Jan 09, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1892

Re: home inspection on house I already live in?

Since OP is the tenant and has access to the house, what does the forum think about OP having the inspector come before making an offer (ie without owner even being involved/aware)? Could that put OP in a position to make a stronger-looking offer, such as by waiving inspection contingency if OP alr...
by denovo
Tue Jan 09, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1892

Re: home inspection on house I already live in?

Not sure if this is the proper section for this question, but it is real-estate related. I have been renting a house for about 9 years, and my landlord now has the urge to sell. One option is for me to buy it. Should I get a home inspection? :confused Yes. A million times yes. You may be living in ...
by denovo
Tue Jan 09, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 200
Views: 9404

Re: Trusts for adults Children

So you see no issues with two 20-somethings inheriting a seven-figure estate before they have even launched their own careers? That's baffling to me. That kind of cash would throw an adult nearing retirement for a loop -- let alone a veritable kid. I trust my kids to exercise good judgment, but you...
by denovo
Tue Jan 09, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 27
Views: 2812

Re: Buying a car?

Thanks all, appreciate the advice. Super helpful, I took it to auto body shop and said just that. Would like not to buy a car - that's a big pain for me, but will resort to those websites and probably stick to Hyundai/Toyota like folks are saying. But did get a revised estimate, not sure if this se...
by denovo
Mon Jan 08, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: locking credit vs. credit freeze
Replies: 7
Views: 593

Re: locking credit vs. credit freeze

I will freeze Innovis also. I am confused about what ChexSystems does. It talks about closed financial accounts, but why is that interesting? ChexSystems is a reporting service that most financial institutions use to verify your information if you want to open up a banking or brokerage account. Fre...
by denovo
Mon Jan 08, 2018 4:44 am
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 96
Views: 8706

Re: california homeowners - do you have earthquake insurance?

The problem with earthquake insurance is that it's pretty expensive... If you aren't very close to a fault that's predicted to be likely to act up in a big way (like the Hayward fault), not sure I would bother, even though there's still definitely a risk of catastrophic damage throughout much of th...
by denovo
Mon Jan 08, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4460

Re: New Honda CRV - first oil change full synthetic?

kjvmartin wrote:
Sat Jan 06, 2018 11:40 pm
bottlecap wrote:
Sat Jan 06, 2018 9:50 pm
The choice is not between the dealer and Jiffy Lube.

Oil changes are simple.

Find an honest independent and you will be fine.

I’m guessing about $45 if you want Mobil 1.

JT
Do you actually know anyone that will do a full synthetic change with filter for $45?
kjvm

Yes.
by denovo
Mon Jan 08, 2018 4:09 am
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1355

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

We have a day trip planned from Hagerstown, MD area to downtown DC tomorrow (1/8/18). Planning on driving to Shady Grove Metro station, MD, then take the metro to downtown. What are the chances of finding parking at Shady Grove Metro Station around 8.30-9am? Thank you. You guys are probably asleep,...
by denovo
Mon Jan 08, 2018 4:06 am
Forum: Personal Finance (Not Investing)
Topic: locking credit vs. credit freeze
Replies: 7
Views: 593

Re: locking credit vs. credit freeze

A credit freeze is strictly better for your safety. Only reason the bureau's are promoting credit locks is because it still allows them to share some information which allows them to make money. https://www.consumerreports.org/credit-bureaus/why-credit-freeze-is-better-than-credit-lock/ Perhaps the ...
by denovo
Sun Jan 07, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ownership in real estate
Replies: 11
Views: 1011

Re: Ownership in real estate

House is paid off, I'm experiencing family disagreements from other siblings who believe i shouldn't be on deed. Long story. Bottom line is my name is on deed. If you take yourself off the deed, you lose your legal rights to your ownership. Is that what you want? +1 And no backsies. If you change y...
by denovo
Sun Jan 07, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can you ever win the game?
Replies: 50
Views: 5126

Re: Can you ever win the game?

Yes. This forum has many examples.
by denovo
Sun Jan 07, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4456

Re: ID theft and check cashing fraud

The local PD told me that the minimum amount for follow up for this type of fraud is $25,000 (in my city). The Officer referenced budget cuts, volume of crime, and staffing make it unrealistic to pursue for lessor amounts. The Officer was sympathetic but explained the harsh reality in today’s world...
by denovo
Sun Jan 07, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Investing: Cash Purchase vs. Mortgage
Replies: 10
Views: 1008

Re: Real Estate Investing: Cash Purchase vs. Mortgage

I'm looking at starting real estate investing in 2018. Trying to determine the best way to proceed: buying home in cash vs. mortgaging. I know this is a long debated issue with many articles on the topic, but was hoping those of you with experience (good or bad) could share your expertise and opini...
by denovo
Sun Jan 07, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home to realtor friend discount math problem
Replies: 15
Views: 924

Re: Selling home to realtor friend discount math problem

hoops777 wrote:
Sun Jan 07, 2018 11:40 am

If we assume a price of 835,000 sold with a 5 pct commission in a standard transaction,what price would give my brother the same return when all is said and done, if sold to the father?
Thanks
No one pay 5 pct on a 800k house anymore.
by denovo
Sun Jan 07, 2018 2:26 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Investing: Cash Purchase vs. Mortgage
Replies: 10
Views: 1008

Re: Real Estate Investing: Cash Purchase vs. Mortgage

Do you have other debt? Do you max out your 401k's every year?
by denovo
Sat Jan 06, 2018 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 4961

Re: Splitting Assets in Divorce

2. What is the best way to split the equity of the house, assuming one of the spouses still wants to live in the house? A lot of the questions you posed are difficult and will likely lead to a wide range of opinions, but this one should be pretty straightforward. Once you both agree how you want to...
by denovo
Fri Jan 05, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: better to buy home with cash or rent ?
Replies: 6
Views: 606

Re: better to buy home with cash or rent ?

How long do you plan on living in this area?
by denovo
Fri Jan 05, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Legal services via employment
Replies: 13
Views: 898

Re: Legal services via employment

I would ask co-workers what services they have used them for and if they were any good.
by denovo
Fri Jan 05, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account balance relative to credit limit?
Replies: 8
Views: 562

Re: Checking account balance relative to credit limit?

That's what I thought, but in a recent FICO credit report it said "Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high" and I want sure if this related to my accounts overall (including checking). I try to keep credit card balances at 20-30% of...
by denovo
Thu Jan 04, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Maintenance Contract - Worth it?
Replies: 17
Views: 539

Re: Annual Maintenance Contract - Worth it?

In my opinion, no. I check the heating/cooling components together in one annual check up. That service call should be 75-150.
by denovo
Thu Jan 04, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4456

Re: ID theft and check cashing fraud

Does the gym have a surveillance system? Not sure how big the gym is and how many regular members they have,but couldn't they check the relevant time intervals to see anyone coming in and out of the entryways they don't recognize? I would go to the police station and tell them how things have gotten...
by denovo
Thu Jan 04, 2018 5:15 am
Forum: Personal Finance (Not Investing)
Topic: IL Law - settling an estate with missing heirs
Replies: 11
Views: 892

Re: IL Law - settling an estate with missing heirs

If you want to save the estate money, I don't think the executor minds if you try to locate them. It's not too hard really to search around.
by denovo
Wed Jan 03, 2018 4:03 am
Forum: Investing - Help with Personal Investments
Topic: Experience with Merrill Edge?
Replies: 20
Views: 1026

Re: Experience with Merrill Edge?

Thanks. It looks like $50k is needed for free ETF trades. If you have less than $50k, it costs $7/trade. Are there fees for buying Vanguard mutual funds at Merrill Edge? I thought Vanguard funds were no load NTF funds. Keep in mind they consider the sum of your BofA Checking/Savings and Merrill Edg...
by denovo
Wed Jan 03, 2018 3:14 am
Forum: Investing - Help with Personal Investments
Topic: Experience with Merrill Edge?
Replies: 20
Views: 1026

Re: Experience with Merrill Edge?

I use Merrill Edge. Is there anyway to use low cost investing with them, such as Vanguard ETFs or Index Funds? If so, is it much more complicated and costly than directly at Vanguard? https://www.merrilledge.com/pricing If your combined bank/brokerage balances is more than 50k, you get 30 free ETF t...
by denovo
Mon Jan 01, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of lowered property value?
Replies: 24
Views: 1535

Re: How to take advantage of lowered property value?

Why would an easement be recorded on his property for a cell tower on the neighbors property? Even if there was, his title search would have found that so he should have known about it. Sorry I goofed. I didn't realize you said it was for neighbor's property. Regardless I would try to see an attorn...
by denovo
Mon Jan 01, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of lowered property value?
Replies: 24
Views: 1535

Re: How to take advantage of lowered property value?

I purchased my property from an estate two years ago. Unbeknownst to me, about five years ago, the neighbors signed an agreement with Verizon letting them put up a cell phone tower on their land. Well Verizon started building this 250' monstrosity a month ago next door to me. According to one neigh...
by denovo
Mon Jan 01, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Travel bargain or scam?
Replies: 2
Views: 650

Re: Travel bargain or scam?

We almost bit the offer from Gold Rush Getaways last year. For about $4000, you got a complex mix of travel discounts and a 'free' cruise that cost about $800, with a bunch of time and date restrictions, and a licence of sorts to be a travel agent. I can quote more from their ads if you like. At th...
by denovo
Sun Dec 31, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7005

Re: The Economics of a new Puppy

Don't know if you're willing to take advice from a cat guy, but I'm another vote for Chewy.com as an online source of pet food. They have free shipping on orders over 49 bucks. Agree with chewy.com. They are great to deal with good prices and very easy to reorder. Order is usually on our doorstep i...
by denovo
Sun Dec 31, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7005

Re: The Economics of a new Puppy

tev9876 wrote:
Fri Dec 29, 2017 8:00 pm


Rescue is not the same as it was 10 years ago when I was last looking. There is actually a shortage of rescue dogs to meet the demand.
I suspect your local shelter has plenty of needy dogs that need a home.
by denovo
Sat Dec 30, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself an extra $200 today just by being observant
Replies: 25
Views: 5250

Re: Got myself an extra $200 today just by being observant

Traveler wrote:
Sat Dec 30, 2017 3:19 pm
I bought my current car new at the price listed in the paper and believe I got a good deal. Some of you may disagree.
Why do you think you got a good deal?
by denovo
Sat Dec 30, 2017 4:39 am
Forum: Personal Consumer Issues
Topic: flood damaged cars?
Replies: 15
Views: 1455

Re: flood damaged cars?

It is really very simple. Before you buy a car, take it to a trusted mechanic for an inspection. Once they have it up on the lift, it will be easy for them to spot flood/accident or other damage. Well worth the $150ish. Good idea for used cars. But I also agree to play it safe, I would avoid any ca...