Search found 4336 matches

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: 1376

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: 1376

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: 142
Views: 11166

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: 728

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: 2872

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: 2872

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: 2872

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: 6
Views: 639

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: 2872

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: 2872

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: 5629

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: 829

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: 3345

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: 1176

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: 540

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: 10418

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: 3245

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: 1741

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: 72
Views: 6640

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: 1176

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: 1197

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: 2034

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: 1565

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: 1565

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: 1845

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: 762

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: 762

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: 1475

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: 1475

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: 1042

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: 566

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: 2825

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: 3473

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
by denovo
Tue Oct 02, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why isn't qualification for the Affordable Care Act means-tested?
Replies: 10
Views: 835

Re: Why isn't qualification for the Affordable Care Act means-tested?

quantAndHold wrote:
Tue Oct 02, 2018 2:26 pm
Thread lock in 3...2....1...
In before the lock.
by denovo
Tue Oct 02, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1568

Re: Shows in Las Vegas for 6 and 8 year old

djpeteski wrote:
Tue Oct 02, 2018 12:42 pm

If they like cannons and guns, then they should see the pirate show at TI, and that is free.
It must be a while since you've been to Vegas. It's been shuttered since 2013.
by denovo
Tue Oct 02, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1568

Re: Shows in Las Vegas for 6 and 8 year old

Hi, I was looking at the Las Vegas shows for 6 and 8 year old kid and kind of liked Blue Man Group. Not sure but will 6 and 8 year enjoy Blue Man Group show? If not, are there any shows which I should be looking at. These shows are 90 minutes so not sure if kids can sit to enjoy. Thanks, JR Althoug...
by denovo
Sun Sep 30, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Car rebates/incentives
Replies: 21
Views: 1394

Re: Car rebates/incentives

S Now, they have a 10% off on an 18 Tahoe’s and suburabans, but nothing on anything else. And there is hardly any 18s left. By this time of year, dealers are usually desperate to get rid of the last year's models, ie 2018's. Invoice pricing is useless as a reference so don't focus on it and shoppin...
by denovo
Sat Sep 29, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 22
Views: 1806

Re: Car broker

I am the OP..... and this has been a fascinating topic for me. The issue of a Car Broker- seems to be excessively subjective. Let me first say, as closely as I could determine, the deal I got with the Car Broker- was in all likelihood Between 100 and $200 difference either way. I may have saved a c...
by denovo
Fri Sep 28, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Stock in a private company - howto sell
Replies: 13
Views: 1207

Re: Stock in a private company - howto sell

Wife’s mother (now deceased) was the executor. Wife and her sister split some of the grandfather’s properties when their mom and Dad passed. Understand that the process of claiming the stock may be long, but we need to start somewhere. Is the company under any obligation to share with us any histor...
by denovo
Fri Sep 28, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Stock in a private company - howto sell
Replies: 13
Views: 1207

Re: Stock in a private company - howto sell

How do you know you are entitled to the stock just because you are the “closest living relatives”? Do you know who were the beneficiaries of his estate? He may have left everything to the SPCA. Gill I am guessing their names and the stock wouldn't be listed on the unclaimed property site if they we...
by denovo
Fri Sep 28, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Stock in a private company - howto sell
Replies: 13
Views: 1207

Re: Stock in a private company - howto sell

How do you know you are entitled to the stock just because you are the “closest living relatives”? Do you know who were the beneficiaries of his estate? He may have left everything to the SPCA. Gill I am guessing their names and the stock wouldn't be listed on the unclaimed property site if they we...
by denovo
Fri Sep 28, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Stock in a private company - howto sell
Replies: 13
Views: 1207

Re: Stock in a private company - howto sell

After recently checking an unclaimed property site, I identified some stock in a private company that my wife’s grandfather left over 20 years ago. My wife and her sister are closest living relatives and will be applying for the stock. Once we get it, any advice on contacting company about any stoc...
by denovo
Fri Sep 28, 2018 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 22
Views: 1806

Re: Car broker

Why not try this method? https://www.bogleheads.org/forum/viewtopic.php?t=124638 You might think you can "out-think" and "out-game" the pros that do this car selling think 24/7. I hate to pop you bubble......but you are just the kind of customer they love. Actual numbers posted ad nauseum on the th...
by denovo
Fri Sep 28, 2018 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 22
Views: 1806

Re: Car broker

Why not try this method?

viewtopic.php?t=124638
by denovo
Wed Sep 26, 2018 2:30 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent my house?
Replies: 22
Views: 1887

Re: Should I sell or rent my house?

This is in California. Purchased home for 525k and now worth about 850k. 13 years left on mortgage at 2.675% rate. Property taxes about 540 a month (prop 13). Total current expenses around 3200 a month. Would probably rent out for 3500-3750 a month. Should I sell or rent it out? Never been a landlo...
by denovo
Wed Sep 26, 2018 2:26 am
Forum: Investing - Help with Personal Investments
Topic: JP Morgan Structured Investments - What am I missing?
Replies: 20
Views: 1469

Re: JP Morgan Structured Investments - What am I missing?

From your link
As a finance subsidiary, JPMorgan Chase Financial Company LLC has no
independent operations and has limited assets.
They'll fold if it's not a good deal for them.
by denovo
Wed Sep 26, 2018 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 7847

Re: Someone stole my check from the mail, changed the amount, and deposited it

Sooooo, I had an interesting evening last night. I realized as I was doing some paperwork that someone I sent a check to a few weeks ago never cashed it. Upon logging into my checking account to look into it, I saw that the check *was* deposited - kind of. Instead of the $600 check I had written, i...
by denovo
Wed Sep 26, 2018 2:12 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4712

Re: How to pay for upcoming medical / IVF expenses

gotester2000 wrote:
Sun Sep 23, 2018 12:28 pm

It doesnt matter if you dont contribute to retirement for some time.

Sounds like imprudent advice. Everyone should be realistic about what expenses they can afford even if it's something they want.
by denovo
Wed Sep 26, 2018 2:07 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4712

Re: How to pay for upcoming medical / IVF expenses

Hi all, Got a question that I need some input on. My wife and I (early 30s) got married last year. We bought our first home a month later and we've been happy since. Unfortunately, the next stage in life seems like it is going to be a costly one. We need to go through fertility / IVF treatments whi...