Search found 573 matches

by WhyNotUs
Mon Jul 27, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Does a 6.5 kW Solar install make sense?
Replies: 28
Views: 2179

Re: Does a 6.5 kW Solar install make sense?

$1.56 net cost per watt is a great price for Sunpower panels. I have 6 year old Sunpower system and it has outperformed the estimated generation. Adding to my system here would cost net $2.30 per watt. I am looking at some lower efficiency panels to get to your price.
by WhyNotUs
Thu Jul 23, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Home improvement: french drain or dry well?
Replies: 13
Views: 1486

Re: Home improvement: french drain or dry well?

How deep is the clay? If you get down a foot or two or three do you get to cobble? If so, I would go with a dry well. You dig below the clay level, fill with gravel and create a place for water to perc.
by WhyNotUs
Tue Jul 21, 2015 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Hard Money Loans
Replies: 24
Views: 2703

Re: Hard Money Loans

You will find more hard money lenders to contact and get bombarded with interest in loans at biggerpockets.com

I have looking into it but never done it.
by WhyNotUs
Tue Jul 21, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10499

Re: How do people afford children with a SAHM?

Without knowing what your house is worth it is hard to assess overall position. You definitely are ahead of the game on retirement assets. Can't really compare yourself to people who are living on the edge, effects of that were on display in 2009. As to your question about staying home, 2600 x 12= $...
by WhyNotUs
Sat Jul 18, 2015 8:06 am
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2147

Re: Home landscaping dilemma

If you have a plan that you really like you can put in the watering infrastructure without installing all of the improvements to finish it off. The advantage to a phased approach to me is that you get a chance to live there and see your patterns of use and circulation before locking all of your plan...
by WhyNotUs
Fri Jul 17, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: Home Inspection
Replies: 9
Views: 781

Re: Home Inspection

Even if you can get insurance, it will be an obstacle if you need to sell in the future. Unless I could get this at a price that allowed me to bring the place up to standard, I would pass.
by WhyNotUs
Thu Jul 16, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 79
Views: 10350

Re: The Good the Bad and the Ugly of real estate

Good- I understand houses and there is code upon which most are built (unlike Wall St.) We are in a period of inexpensive loan loan money compared to the last 5 years There is a product- a place for someone to live (unlike many tech investments :happy ) In my professional life I use my head and sit ...
by WhyNotUs
Thu Jul 16, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1764

Re: Music player while exercising

iPod Shuffle was one of the few products that Apple has made that was value-oriented. No wonder they killed it.
Luckily they can still be found on Ebay.
by WhyNotUs
Wed Jul 15, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3890

Re: Are the more expensive bikes worth paying for?

The Trek 7.3 is an excellent overall recommendation. They will start being marked down for the year soon. When you said expensive bike, I was thinking about something different and would have expressed doubt for a $4,000 bike. This is a good bike at a good price that will probably make you want to b...
by WhyNotUs
Tue Jul 14, 2015 8:56 am
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4526

Re: Builder wants to put a retaining wall on my property

Given the fact that you have not even been asked yet, you have plenty of time to work through a response, if asked. I would sort issues a bit. Retaining wall- a 2-4' retaining wall, particularly on the shorter end, is not that big of a potential liability. The easiest thing to do is to call a compet...
by WhyNotUs
Mon Jul 13, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5049

Re: VRBO illegal rental

Many popular areas will have a permit or license number that they will issue. You can ask if they have one and then look it up with the local jurisdiction. Some places only require a business license (to make sure they pay taxes), other may not regulate the uses. If it is a resort area, it is more l...
by WhyNotUs
Sat Jul 11, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: A Career in Golf?
Replies: 22
Views: 2438

Re: A Career in Golf?

If the individual gained a degree in gold course management, why wouldn't they give it a try? It would seen odd not to. Courses are closing and some additional clubs are in poor financial health. I would just advise him to not get attached the old way of doing things. Something new needs to emerge i...
by WhyNotUs
Tue Jul 07, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: buying a used leaf to save on transportation costs
Replies: 28
Views: 2854

Re: buying a used leaf to save on transportation costs

I own a 2013 Leaf and did my own math and it works great in my state. The only thing that I would agree with 2tall about is that you can do the math. It is meaningless without including rebates/credits for new vehicles and realistic costs per mile for ongoing operations between an ICE and EV. If buy...
by WhyNotUs
Fri Jul 03, 2015 8:19 am
Forum: Investing - Help with Personal Investments
Topic: My divorce gave me...
Replies: 20
Views: 5445

Re: My divorce gave me...

Your steps seem to be 1.) Identify an asset allocation that you feel comfortable with using diverse, low cost index funds 2.) Move your IRA funds toward that mix 3.) Start moving funds in the taxable toward that based on minimizing taxes The third one could benefit from some professional help if lon...
by WhyNotUs
Thu Jul 02, 2015 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: My divorce gave me...
Replies: 20
Views: 5445

Re: My divorce gave me...

Fido's Spartan Funds and close enough to Vanguard's core funds that you might find it simpler to stay put. I think when I was with them they offered a free consultation. If you read the three fund info in the Wiki, you should be able to discuss the situation with them and tell them your desires and ...
by WhyNotUs
Thu Jul 02, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21573

Re: Emergdoc on Mr. Money Mustache

The diamond is financial independence, a person becomes devoted to a facet of the diamond and writes about it as if it were the entirety of the diamond. Rather than accept or reject that facet, take what it offers and return to the diamond as a whole.
by WhyNotUs
Tue Jun 30, 2015 7:15 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5584

Re: Best Cell Plan?

Have a BBQ and invite a variety of friends over. ask them if you can use their phone and call your phone to leave a message with some blah blah and the name of their service, number of bars, level of data. That should give you site specific info for a variety of providers.
by WhyNotUs
Tue Jun 30, 2015 7:09 pm
Forum: Investing - Theory, News & General
Topic: excellent summary of the Greek crisis by U of Chicago Professor
Replies: 45
Views: 8462

Re: excellent summary of the Greek crisis by U of Chicago Professor

Good piece from the freshwater perspective. Definitely need to read something from DeLong or Krugman to round out the picture with saltwater perspective.
by WhyNotUs
Thu Jun 25, 2015 7:55 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 4774

Re: Colorado Vacation suggestions

In the summer, I would go directly to and stay in the high country. If coming in on 70 or 76, I would go directly to Estes Park and check out Rocky Mtn Natl Park for a couple days of hikes and wildlife. You could then drive across Trail Ridge Road and go over to Steamboat Springs for a couple days- ...
by WhyNotUs
Tue Jun 23, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14751

Re: Convince me not to buy Porsche

The adult me says don't do it, put stash more cash and let it ride for you to buy a house later or start a business. Having said that, when I was your age I raced an Alfa Romeo and later a 914/6. I bought both used. The 914 resold for more than I had into it. The Alfa was another story. My simple le...
by WhyNotUs
Tue Jun 23, 2015 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Landlording Tips
Replies: 33
Views: 4934

Re: Landlording Tips

+1 for Smartmove (I think it is Transunion rather than Experian). It protects an applicants privacy while getting usable info. Tenant screening is #1 for me. Encourage tenants to report problems as soon as they begin. As noted, need a good pool of tenants so that you can find a good fit. The OP note...
by WhyNotUs
Mon Jun 22, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Anyone do a housing swap?
Replies: 1
Views: 545

Re: Anyone do a housing swap?

A long time ago when the services were just starting on the net we used Home Exchange a few times. I expect to do it again in the future but had an odd experience that led me to stop. We did a second exchange with a same person and they felt comfortable enough to borrow a rare book with asking first...
by WhyNotUs
Mon Jun 15, 2015 11:09 pm
Forum: Personal Consumer Issues
Topic: New Floors
Replies: 15
Views: 2633

Re: New Floors

Got some from HD for a bedroom. I like the look but even with careful conditioning and installation I have some gaps where boards butt.
by WhyNotUs
Mon Jun 15, 2015 11:07 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 66
Views: 8145

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

About 80% of people's daily trips can be met with a vehicle with an 80 mile range. http://research.microsoft.com/en-us/um/people/jckrumm/publications%202012/2012-01-0489%20sae%20published.pdf There are other NHTS studies that have found higher numbers. My Leaf beats the EPA estimate in summer and ro...
by WhyNotUs
Mon Jun 15, 2015 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 57
Views: 7003

Re: Buying in Bay Area (redux)

The reason to buy is because you have found "home" a city/neighborhood with enough income to afford to stay for the long term. Based on your posts, it does not seem like you are looking for home but rather to manage rent/invest in real estate. That is a tough game due to the high transacti...
by WhyNotUs
Fri Jun 12, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: What should my wife do if I die early? [was: Vanguard PAS as Plan B]
Replies: 18
Views: 2466

Re: What should my wife do if I die early? [was: Vanguard PAS as Plan B]

A spouse passing early is a perfect use of PAS. If you have an outline of an investment plan in a file that would help inform the communication. The benefit of that approach is that when someone suggests that they talk to their cousin/brother-in-law, uncle who is a financial planner, they can say &q...
by WhyNotUs
Wed Jun 10, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1785

Re: Rent a bike in SF, ride to LA, and drop it off?

One market might be school outings. My daughter's school did a bike trip in NoCA and had to take their own bikes on the train. I would have gladly paid to rent a touring bike for that trip.
by WhyNotUs
Thu Jun 04, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fair Trustee fee
Replies: 16
Views: 1154

Re: Fair Trustee fee

It will be hard since liquidating coin lots over Ebay will be a PITA. How about divvying the coins into three lots and you each get one and sell them yourselves. Otherwise, your fee could seem high to your other beneficiaries. If it was me, I would pick an hourly rate and ask the others if they wish...
by WhyNotUs
Thu Jun 04, 2015 9:20 am
Forum: Personal Finance (Not Investing)
Topic: ACA and retiring before 65
Replies: 28
Views: 3470

Re: ACA and retiring before 65

Reading posts and blogs about manipulating your income to receive greater subsidies makes me want to scream. If you want to retire early, work hard, save, and invest rather than finding ways to increase my taxes. As others have noted, a threshold benefit of ACA is getting coverage and it seems to ha...
by WhyNotUs
Thu Jun 04, 2015 12:20 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 11377

Re: why do some people like Fidelity?

I have had the same experience as nisiprius. Had accounts with both and consolidated to VG in a never ending pursuit of simplicity and sense that VG is a lower toxicity home in the muddy swamp that is investment banking and finance. Had account with Fido for a couple decades and never had a bad expe...
by WhyNotUs
Thu Jun 04, 2015 12:05 am
Forum: Personal Consumer Issues
Topic: I'm thinking about becoming a financial adviser...but I need some guidance.
Replies: 37
Views: 4738

Re: I'm thinking about becoming a financial adviser...but I need some guidance.

Seems like your initial question is whether it is your calling. Hard to know and the easily identified entry points would likely make you dislike the industry. Cold calls and selling front loaded funds are the jobs available. Your passion sounds more like a hobby passion at this point. Don't mean th...
by WhyNotUs
Wed Jun 03, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: La Guardia to Times Square hotel - best transportation method?
Replies: 16
Views: 1495

Re: La Guardia to Times Square hotel - best transportation method?

There are lots of "limo" services that could put you in a town car or larger. I use Carmel but there are countless others. I can usually find a discount coupon online for Carmel and have good luck with them being on time for pickup at odd hours and good cars/drivers. https://www.carmellimo...
by WhyNotUs
Wed Jun 03, 2015 5:01 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10100

Re: Perpetual Travelling

Banking and taxes are pretty easy as long as you have a permanent residence, online bill pay, turbotax, national bank. Business is tough unless you are already hands off and have manager in place. For info on nomads with children, see cruisersforum.com. Lots of topics on sailboat cruising with kids....
by WhyNotUs
Tue Jun 02, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Bread Machines?
Replies: 41
Views: 2905

Re: Bread Machines?

If you go to your local thrift store there will likely be a nice selection of them cheap. You can see for yourself whether it is something you will use. Ours ended up there :happy
by WhyNotUs
Tue Jun 02, 2015 8:44 am
Forum: Investing - Help with Personal Investments
Topic: keep advisor or do it myself
Replies: 68
Views: 6237

Re: keep advisor or do it myself

FWIW, a seven figure transfer to VG would result in the opportunity for a free investment plan and a yearly check-in with advisor. It would be a simple plan similar to what would be recommended by many people here. The DFA style adds some targeted risk in an effort to attract some additional return....
by WhyNotUs
Tue Jun 02, 2015 8:10 am
Forum: Personal Finance (Not Investing)
Topic: A plague upon both my houses
Replies: 5
Views: 1871

Re: A plague upon both my houses

Financially linking a paid off home that you are living in to a underwater rental is a bad strategy IMO. I would get my home paid for and ride along with the rental for a couple more years. Rental needs to get to $158k to have a transaction that does not require bringing $$ to the table. Maybe after...
by WhyNotUs
Mon Jun 01, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: Home Improvement Projects
Replies: 9
Views: 1592

Re: Home Improvement Projects

Last time I spent 30k we used 2/3 cash and 12 months interest free from Home Depot for appliances and various materials. By 12 months everything was paid for and we were done. At the time, we got 10% off based on a contractor signup they were doing and no interest, sweet. If I could not have done th...
by WhyNotUs
Mon Jun 01, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: Selling A House Via Auction
Replies: 20
Views: 1502

Re: Selling A House Via Auction

The "staging" craze was big when the housing market was bad and competition was tough. In a good market, it is usually best to do a good cleaning and decluttering and price it fairly. Tell them that they are welcome to offer no or low cost suggestions but that you are not interested in spe...
by WhyNotUs
Sun May 31, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: Selling A House Via Auction
Replies: 20
Views: 1502

Re: Selling A House Via Auction

I like auctions for properties that are hard to figure out how to market and that the owner needs to unload fast and is willing to risk low side for possible high side. As an example, there is an underdeveloped property in my area with a dysfunctional mobile home on it but it is zoned for high densi...
by WhyNotUs
Tue May 26, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Church Endowment RFP
Replies: 8
Views: 702

Re: Church Endowment RFP

Does your Church board have an investment policy? If so, review that to look at how diversification, low fees, quality, and risk are handled. Once that is clear and agreed upon then you can look at options including VG for how/whether they fit your investment policy. I would not start with VG as the...
by WhyNotUs
Tue May 26, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: Need to sell old home. Should we spend money to modernize it first?
Replies: 38
Views: 3420

Re: Need to sell old home. Should we spend money to modernize it first?

Short answer is no. Your uncle needs to sell and preserve his resources. For your own benefit, in order to minimize your headaches selling it, paying for professional cleaning, lawn spruce up, and walk thru by an inspector or contractor recommended by the realtor for an informal inspection, is sugge...
by WhyNotUs
Tue May 19, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Converting garage into office space
Replies: 6
Views: 651

Re: Converting garage into office space

Pro Relatively cheap way to create office space Has a door to separate user from household activities (helps with productivity) Can be built over time Forces one to deal with the stuff filling up their garage Usually has a step up to house that you can use to insulate between slab and subfloor Con C...
by WhyNotUs
Sat May 16, 2015 9:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard's email "The case for a global portfolio"
Replies: 46
Views: 4521

Re: Vanguard's email "The case for a global portfolio"

I sort of agree with ankonaman. The US consumer has carried much of the world economy over the last twenty years using their credit card in the absence of a raise. Other countries have built infrastructure for economic growth during that period and have growth oriented demographics. It is not unreas...
by WhyNotUs
Fri May 15, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 6911

Re: Am I a Millionaire???

Yes, you are a millionaire. Net worth is simply assets minus liabilities. Based on what you provided, your net is over $1M. The cloud around the definition is really just smoke. Accredited investors are invited to participate in certain types of investments that are not protected by government regul...
by WhyNotUs
Tue May 12, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10583

Re: I Hate Vacations

Don't worry, I am taking enough vacations for three or four people so the world is still in balance.
by WhyNotUs
Tue May 12, 2015 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4724

Re: Should we purchase home without permits?

If you leave all of the normal inspections in then you will have plenty of pathways out if you find more irregularities. Some people buy homes without due diligence and it turns out fine, many others learn hard lessons. Dealing with the inspection of the unauthorized addition will take plenty of tim...
by WhyNotUs
Tue May 12, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Quicken 2012 no longer updating - anyone else?
Replies: 15
Views: 728

Re: Quicken 2012 no longer updating - anyone else?

Intuit has taken a really bad turn over the last five years or so. Quicken 2006 for Mac has gone from a pretty good to a series of disastrous "upgrades". Now they cut off support and are trying to make me buy the latest bad upgrade. Quickbooks has never really matched the promised cross-pl...
by WhyNotUs
Tue May 12, 2015 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Closing on house in less then 30 days- bad idea?
Replies: 24
Views: 2399

Re: Closing on house in less then 30 days- bad idea?

"What is it that you think takes 30 days to do?" 1.) Get a survey of the property to look for any concerns related to buildings or other encroachments 2.) Acquire and review and HOA covenants, assessments, financial stability 3.) Resolve any title objections, title companies add exceptions...
by WhyNotUs
Tue May 12, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4724

Re: Should we purchase home without permits?

By public records do you mean the assessors records or the building department records? They are two very different things, the latter is much more important than the other.

FYI, the do it yourself bedroom adder might not want to take building code advice from realtor.

Go to advanced search