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Re: Replacing Some, not all, Windows in House

In most places there is a window problem solver. If you call a local quality window dealer, ask them who is the "fixer" in your area and have them take a look before you do anything. Where I live the fixer charges by hour for consultation and has helped me find obscure parts, create a solu...
by WhyNotUs
Mon Sep 29, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Replacing Some, not all, Windows in House
Replies: 14
Views: 847

Re: Too many houses?

Seems like your challenge is that you want to reduce leverage but are trying to keep the property that makes the least sense (vacation home). Your home seems reasonable, House 2 has a good rental history, good mortgage rate, good L/V and positive cash flow, House 3 is a commercial rental with a very...
by WhyNotUs
Mon Sep 29, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3547

Re: Using Your House for Income in Retirement

Other ideas for generating income from your home for retirees: 1.) Room rentals- short or long term 2.) Accessory Dwelling Unit- convert garage or addition to create separate unit with full kitchen 3.) Whole home short term rentals- we live in a resort area and have friends who are retired who go on...
by WhyNotUs
Tue Sep 23, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Your House for Income in Retirement
Replies: 19
Views: 1535

Re: Consulting fees: non working travel time

FWIW, my first time serving as an "expert" witness I learned something the hard way. Please consider googling yourself and ask your client's attorney to run a Lexis Nexus search and forward results. You need to see what the opposite side's attorney will see.
by WhyNotUs
Tue Sep 23, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Consulting fees: non working travel time
Replies: 30
Views: 1622

Re: Consulting fees: non working travel time

50% is my standard
I have made exceptions in a few circumstances but almost always
by WhyNotUs
Mon Sep 22, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting fees: non working travel time
Replies: 30
Views: 1622

Re: Sunsetter Awning

Our Sunsetter motorized is now 8 years old and going strong. I use it occasionally fully extended but mostly partly extended for blocking sun on south side of house. Combined with high r-value in ceiling, it is like having a/c on warm summer days. It does fine partly extended in wind but when it is ...
by WhyNotUs
Mon Sep 22, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Sunsetter Awning
Replies: 11
Views: 1883

Re: Best cell phone plan for Verizon iPhone 5

PagePlus uses Verizon network. Lots of people on here like it.
by WhyNotUs
Sun Sep 21, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Best cell phone plan for Verizon iPhone 5
Replies: 12
Views: 1220

Re: Australia and New Zealand

Australia is a little smaller than the US so you can imagine how much of the US one could see in 3-4 weeks. not too much. Right, so Australia is about the same size as the US, but most of it is essentially uninhabited, so if you neglect those parts except for Uluru, then it is about the size of a t...
by WhyNotUs
Fri Sep 19, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 34
Views: 2567

Re: Any downside to this Photovoltaic deal?

PV is a no brainer in Hawaii as long as the grid can take you. The price of electricity, tax credits, and solar access are all +++ At the rate things are going, HI will be a leader in the US in solar and eventually in micro grid technology. All of the best and experimental renewables are available- ...
by WhyNotUs
Fri Sep 19, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Any downside to this Photovoltaic deal?
Replies: 19
Views: 1054

Re: Australia and New Zealand

Australia is a little smaller than the US so you can imagine how much of the US one could see in 3-4 weeks. not too much You can either hunker down in one area and get to know it or spend the money to allow fast transit between parts of the country or AU and NZ. When the trip planning started, we wa...
by WhyNotUs
Thu Sep 18, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 34
Views: 2567

Re: What evidence would prove the Boglehead mentality wrong?

A scenario in which indexes became an overwhelming majority of the market and thus there was no stock price "punishment" for poorly performing companies.
by WhyNotUs
Tue Sep 16, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 109
Views: 7626

Re: Air Purifier for Allergies

We bought a Winix 5300 HEPA system for dander control, it has made a difference. The HEPA filter lasted just about a year and the first stage filters get filled up quickly. It ends up being about $50 per year for consumables.
by WhyNotUs
Tue Sep 16, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 27
Views: 1570

Re: Tiny house movement.

Would you raise 3-4 kids in a small 500 square feet home? It is a dream of mine to be able to reduce expenses to almost nothing. I'm talking about buying an acre of land somewhere less than 30 minutes from a metroplex where all the jobs are at, with water and electricity already available for use. ...
by WhyNotUs
Mon Sep 15, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4074

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Loas, if you liked Thailand way back when you will like Laos.
by WhyNotUs
Sat Sep 13, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5749

Re: Visit to SFO Area - Dining

"Deem sum" at Yank Sing is something I forgot to mention. They wheel around carts filled with Chinese delicacies you've no doubt never heard of. Yank Sing might be a little stuffy for the boy to be able to react when the basket with two chicken feet arrives. Would need to go to Chinatown ...
by WhyNotUs
Thu Sep 11, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Visit to SFO Area - Dining
Replies: 14
Views: 1038

Re: Remove Cigarette Smoke Smell from House?

+1 Ozone generator shock treatment. It works
by WhyNotUs
Tue Sep 09, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Remove Cigarette Smoke Smell from House?
Replies: 20
Views: 1426

Re: How do you keep your electricity bill low?

Not sure if the OP is still around but So Cal Ed was an early adopter of energy audits and you can start by getting one. Not sure how they do it there, but here they start with reviewing your usage over several years, ask about appliances and fixtures and new demand such as your Volt. Sometimes you ...
by WhyNotUs
Sun Sep 07, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9198

Re: The Great Courses.com

I used a couple for refreshers on stats and probability when I realized I needed it. I was able to navigate to the information that I needed pretty easily and having the video was very useful. As someone else noted, these are professionally produced so sound and visuals are clear, not always the cas...
by WhyNotUs
Sun Sep 07, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2225

Re: Drawing down a windfall...

Are you a serial entrepreneur or lottery winner? There are serial entrepreneurs who can envision/copy ideas, bring them to market, develop the market, and sell as soon as the market is emergent and move on to the next challenge with a big pocket of change. It can range from new products to multi-lev...
by WhyNotUs
Sun Sep 07, 2014 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4162

Re: Think like a rich person

I have enough, I have family and friends, wife and I love each other. I am rich.
by WhyNotUs
Sat Sep 06, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4170

Re: Consulting: Sole Prop vs Employees: 401k and other issue

IRS publication, some states will have supplemental rules. http://www.irs.gov/pub/irs-pdf/p15a.pdf Not an IRS expert and have never been audited, YMMV. I have had years when I only had one client and was independent contractor. However, I have 25 years of Schedule Cs and many, many clients. In gener...
by WhyNotUs
Sat Sep 06, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting: Sole Prop vs Employees: 401k and other issues
Replies: 6
Views: 450

Re: Budget breakers

Insurance costs and medical costs are beyond one's control.
Do not seek perfection, rather saving, loving, and living.
Focus on ends- feeling of security, ability to share, aligning expenditures with values rather than means.
by WhyNotUs
Sat Sep 06, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Budget breakers
Replies: 37
Views: 2785

Re: Lawnmower/gas issues

I was having trouble with my engine on sailboat until I went ethanol-free. Now using it in my boat, snow thrower and mower
For a list of locations to purchase ethanol free gas, go to:

http://pure-gas.org
by WhyNotUs
Sat Sep 06, 2014 1:47 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2069

Re: relo property and "illegal" partially finished basement

Given your circumstances, it might be wise to get an experienced local contractor, who understands local building code and knows local building official, over there ASAP and to prepare a bid for nothing more than making it code compliant. I would not add one penny of extras. The repo company needs a...
by WhyNotUs
Fri Sep 05, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: relo property and "illegal" partially finished basement
Replies: 23
Views: 1289

Re: How much does your home *really* cost?

The original question applies to people who are through working but not those of us still toiling away. Yes, nomads can live cheaper than homeowners. If you do not need a tether for income, then it comes down to a lifestyle choice. I like to sail and meet lots of cruisers who are living on their boa...
by WhyNotUs
Thu Sep 04, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4245

Re: Poor Janus, a look at this once high flying fund family

nisiprius There is strong science on human behavior, once someone believes something it literally may not matter if you show them very specific data that they are wrong and in most cases they basically ignore it. They will even interpret tables and charts incorrectly. FWIW I believe nothing anyone ...
by WhyNotUs
Tue Sep 02, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7365

Re: Best tax return software for freelancer?

Self-employed all of adult life and use Turbo Tax. It is pretty straight forward and has links to explanations and examples of line items. My Schedule C is not particularly complicated and I play it pretty straight on deducts so I have never had any problems. I am sure that the others are about the ...
by WhyNotUs
Tue Sep 02, 2014 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Best tax return software for freelancer?
Replies: 14
Views: 1262

Re: Once your house appreciates +$250k, sell it?

If you sell once and buy a $250,000 home, then you are done.
by WhyNotUs
Tue Sep 02, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3689

Re: LED recessed lighting question

Call your local electrical inspector. You will need to know about your insulation in the area proposed to answer their likely questions. Make sure that you understand what happens when the bulb needs to be replaced, some are integrated and require replacing more than the light bulb. I switched some ...
by WhyNotUs
Sun Aug 31, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 1140

Re: Good place to buy eyeglasses without insurance?

39dollarglasses.com or zenni
I use prescript sunglasses for sailing and other outdoor sports and they are a fraction of the price as long as you have your prescript. Opt. is required to give you a copy.
by WhyNotUs
Sat Aug 30, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2550

Re: Costco:is it worth it for just two people?

We sometimes join every other year or so. I find their tire prices and specials to be worthwhile and tend to join in years that I need tires or some other larger purchase that seems to be at a discount there. For strictly food, I question whether the savings are there for two people. We have a list ...
by WhyNotUs
Sat Aug 30, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 11788

Re: Sports Motivation Waning

[Medical advice removed by admin LadyGeek]
by WhyNotUs
Fri Aug 29, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1661

Re: Poor Janus, a look at this once high flying fund family

Worked out for Tom Bailey, founder of Janus. He sold $1.2B in Janus ownership in 2004 and went into breeding cutting horses on a series of ranches that he bought. I drive by and look at the magnificent improvements that he has made often and it reinforced low cost, passive investing in my mind. He e...
by WhyNotUs
Fri Aug 29, 2014 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7365

Re: Poll: How many own zero/few stocks?

I own a handful of individual shares of stocks that I ended up with from dividend reinvestment that did not jibe with sales or that allow me to track what could have been. Less than $1,000 all together. The Apple that I sold hurts a bit. Even MSFT perked up after I sold it. If you are still investin...
by WhyNotUs
Fri Aug 29, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2756

Re: Questions for Landlords

The lease should make this clear. If by patching, you mean tiny holes for hanging pictures, then I prefer to fill and use touch up paint to address those as I can do a better job and have the paint. If you mean some sort of hole in the wall, then they either fix it or I deduct cost to fix it from de...
by WhyNotUs
Wed Aug 27, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1501

Re: Agreement Regarding Vacation Property

FWIW, we have shared a sailboat with another family for about 5 years. Plenty of things to argue about and to go wrong there but I hate to see all of those boats that rarely leave the slip. In reality, it has worked out better than I thought so far and the boat actually gets used. It is a little dif...
by WhyNotUs
Mon Aug 25, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Agreement Regarding Vacation Property
Replies: 21
Views: 1540

Re: Backyard Shed

+1 to checking your local zoning code. Here you can go up to 120 sf w/o a permit. Ours is barn-style 8 x 14 and was built by a franchise shed business owned by a Mennonite family. We also have an older 10 x 12 metal Sears shed that will go away in the next few years. It houses by recreation gear- em...
by WhyNotUs
Sun Aug 24, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Backyard Shed
Replies: 21
Views: 1525

Re: Renewing a lease of a(n electric) car with a 'fixed pric

I bought my Leaf without ever visiting the dealer or meeting the salesperson. Paperwork was sent and returned via Fedex. I live farther from the dealership than the charge will allow and had it delivered. I compared deals by looking gat other purchase reports and leases on mynissanleaf.com and felt ...
by WhyNotUs
Sat Aug 23, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Renewing a lease of a(n electric) car with a 'fixed price'
Replies: 8
Views: 716

Re: sanity check of portfolio

Two mysteries: 1.) why someone with your income has an interest only loan (I assume with balloon and interest rate adjustment?) 2.) Why you would spend $400k to remodel that house? The windfall gives you a chance to make a big step forward but it looks like you are looking at taking on another big l...
by WhyNotUs
Sat Aug 23, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check of portfolio - thanks and part 2
Replies: 10
Views: 1468

Re: Quicken 2015 for Mac released

I am interested in the mobile app that allows one to photo receipts and attach them to transactions. Anyone tried that yet?
by WhyNotUs
Fri Aug 22, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2015 for Mac released
Replies: 27
Views: 2949

Re: Driving in Costa Rica

I have driven in Panama and Costa Rica, pretty similar experience. Now SE Asia, that is another story.
by WhyNotUs
Fri Aug 22, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1684

Re: Quicken 2015 for Mac released

Yippee, the bar is so low now that it has to be a step up.
by WhyNotUs
Fri Aug 22, 2014 12:18 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2015 for Mac released
Replies: 27
Views: 2949

Re: What to consider while purchasing an existing business?

As previously stated, is $50k for goodwill, fixtures, or both. You need to see the books for the business and if there is a bookkeeper speak with them about the contents. Trust but verify. Then figure out what the business will actually make and how much time your wife will actually be able to provi...
by WhyNotUs
Fri Aug 22, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 50
Views: 3932

Re: Tract Home - Things to Watch During Construction

kcb203 wrote:A couple comments:

I installed the quiet Panasonic bathroom fans in my custom build 5 years ago, but learned later that one primary reason for fans is sound masking, in addition to ventilation.



Contractors call them "fart fans"
by WhyNotUs
Wed Aug 20, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3249

Re: Will you have to pay your parent's long term care costs?

If your parents did not transfer wealth to you and then later qualify for medicaid, then this is unlikely to be a reason for concern or even interest. This is about people giving their kids money and then 5 years later asking all of society to pay for their care.
by WhyNotUs
Wed Aug 20, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 4026

Re: Tract Home - Things to Watch During Construction

Understand the foundation plan for dealing with freezing, make sure that it is implemented properly. Understand the roof structure and how it will shed snow and water, make sure that it is implemented properly. are gutters included? Where are they sending water? Understand the grading plan and how i...
by WhyNotUs
Tue Aug 19, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3249

Re: Choosing and paying an executor

Fee is on probated amount. I have been executor a couple times and the fee hardly makes up for the time unless one has done a good job preparing, in which case the fee can be waived or not by the choice of executor. If your accounts are payable on death, life insurance or LI Trust are key assets, ho...
by WhyNotUs
Mon Aug 18, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 873

Re: Verizon to Page Plus - documenting my experience

Thinking about switch to PP. In order to compare apples, can someone with the $12 a month plan tell me what their total monthly charge is with access fees, taxes, and all that other stuff on my cell bill?
by WhyNotUs
Mon Aug 18, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 63
Views: 7605

Re: Smooth perpetual withdrawal from risky assets [endowment

I serve on an endowment committee and we ponder this issue, especially during this period of historically low T-Bill rates. The endowment is modest in Yale terms but meaningful to the organization that relies on the funding. Our charter calls for us to distribute 5% of balance on 12/31 so we need to...
by WhyNotUs
Sun Aug 17, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 7789
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