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Thank you and see you later

I wanted to extend a thank you to everyone who has made this list possible and the valuable advice shared. Several years ago I realized that my alpha seeking strategy and market timing were not working for me on any level. I ended up lurking here for a while and reading parts of the wiki a few times...
by WhyNotUs
Mon Nov 24, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Thank you and see you later
Replies: 1
Views: 438

Re: Sole proprietor or other forms?

Questions: What are the pros and cons of continuing as sole proprietor? Should I consider LLC or other forms like c- or s- corp? This year or next? Thanks. LLC provides some separation between your personal and business assets and liabilities. One person LLC does not really impact federal tax filin...
by WhyNotUs
Thu Nov 20, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sole proprietor or other forms?
Replies: 7
Views: 761

Re: Insurance for Electric Vehicle (EV)

Insurance for my Leaf was a little less than I expected for a similarly priced car. My broker thought it might be due to expected decrease in miles driven per year. That is not happening for us. We are at over 7,000 miles after 5.5 months as we maximize use but statistically it is probably true.
by WhyNotUs
Wed Nov 19, 2014 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance for Electric Vehicle (EV)
Replies: 5
Views: 790

Re: Buying a lasting vehicle

There are definitely cars among the brands that you listed that you could pick up for under $10k with 50 or 60,000 miles. I bought a new car this year, something that I have not done often in life, as I wanted an electric car. Could have paid cash but got 0% interest so I took a loan. Many of the ca...
by WhyNotUs
Tue Nov 18, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4195

Re: VWINX (Wellesley Inc.)

Coleridge "History is a lantern over the stern"

That one is a beauty that I will remember!
by WhyNotUs
Mon Nov 17, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 4871

Re: Hoa resurrection

HOA regulation is a state matter. Look up your state's laws regarding HOAs. You are likely to find a government agency that regulates HOAs. Call them and ask your questions. In our state, a 20 year old set of covenants would not hold up due to changes in the requirements for such and the reformed HO...
by WhyNotUs
Sat Nov 15, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 2946

Re: Rental Real Estate vs. Stocks and Bonds

Apples and oranges. Comparing a extremely passive approach to investing for retirement to an active investment/leveraged in real estate. There are countless threads on similar topics. As for a RE, if you can buy in accord with your terms (rent, monthly expenses, high occupancy area, etc), it has goo...
by WhyNotUs
Sat Nov 15, 2014 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Real Estate vs. Stocks and Bonds
Replies: 14
Views: 1400

Re: What Movie Have You Recently Watched?

St VIncent in theater
Maltese Falcon on PBS

Enjoyed both.
by WhyNotUs
Thu Nov 13, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 218
Views: 17596

Re: Real estate as my "million dollar idea"

Learning how to stake out a deal from your FIL, accumulating enough cash to make cash deals possible, and staying in your local market all make this possible for you. Maybe he wants a property manager for some of his properties so that you can see what it is like managing multiple properties. You co...
by WhyNotUs
Wed Nov 12, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6485

Re: Inheritance/Retirement Planning Question

If your father gets to estate planning and asks for your input- you might discuss the pros and cons of real estate going through probate and if he decided not to send it through probate what options exist in your state. As far as your life, other than perhaps shying away from real estate investment,...
by WhyNotUs
Tue Nov 11, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance/Retirement Planning Question
Replies: 25
Views: 1901

Re: Retiring Parents Set in Risky Ways

If you have the time and inclination, you could keep abreast of the stock, read analyst reports, maybe see if you can get access to analyst phone calls, and give them a heads up if something seems to be changing. That keeps them in control and you out of it unless something seems to be changing. Lot...
by WhyNotUs
Tue Nov 11, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 3937

Re: Solar Panel - Sun Power or LG

We have Sunpower with Sunpower inverter since 2006, no issues so far. It is outperforming the estimated generation.
by WhyNotUs
Sat Nov 08, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solar Panel - Sun Power or LG
Replies: 3
Views: 381

Re: Good book for 13 year old?

Das Kapital
by WhyNotUs
Sat Nov 08, 2014 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Good book for 13 year old?
Replies: 14
Views: 1677

Re: Can we afford five acres?

At $12k down, assuming from your cash or taxable investment and with a new payment of $500 per month and assuming your current mortgage is about $1,000 per month, it looks like you could swing it financially. Your taxable would need to provide your emergency fund, which could drive earnings from tho...
by WhyNotUs
Thu Nov 06, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford five acres?
Replies: 16
Views: 1815

Re: Positive Experiences working with a Broker for a Refinan

During the days of no-doc loans, working with a broker was a very pleasant experience :-)
by WhyNotUs
Tue Nov 04, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Positive Experiences working with a Broker for a Refinance
Replies: 3
Views: 416

Re: Kitchen Cabinets

HD and Lowes both have a line of assembled cabinets that they carry in stock that have plywood boxes and wood doors (my minimum standards). I used the hickory ones from Lowes in a nice rental and they looked good. Used maple from HD a while back in an apartment. They are fine for most uses but you m...
by WhyNotUs
Tue Nov 04, 2014 12:24 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Cabinets
Replies: 11
Views: 1416

Re: Photos from my recent bicycle ride across Wales

Having biked the area but went to some of the same spots. Went to Brecon Beacons for walking and the Brecon Jazz Festival. Van Morrison in a small hall for two shows, very nice. I remember thinking that it would be a great place for bike riding. Then to Lampeter for conference on the Grail stories. ...
by WhyNotUs
Mon Nov 03, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1688

Re: Advice for offer on ovepriced short sale house

You would be making an offer to the current owner, who may have good reason to agree to it. But then your contract goes to the bank and depending on the bank you could wait from a month to many months for a response. If you have a realtor, there would be two things that I would ask of them: 1.) find...
by WhyNotUs
Mon Nov 03, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Advice for offer on ovepriced short sale house
Replies: 14
Views: 1300

Re: $25K Budget for a Fun Car

Early 70's Alpha Romeo Spider, a red one with a sweet paint job is within your budget. Head turning convertible. Good car as long as you do not have to drive it.
If your budget was bigger I would say a 914/6
by WhyNotUs
Sun Nov 02, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 64
Views: 6742

Re: Money saved by buying a hybrid or electric car?

I have another 15 months on it. If I were to terminate my lease before 36 months, I would have to pay back the $2500 incentive to the state California. Thus I won't do that. The other reason is that I don't know what I would replace it with right now. I would be fine with a Leaf with twice the rang...
by WhyNotUs
Sat Nov 01, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6193

Re: Smartphone questions

The cheapest one that will get you access to 4LTE. A pretty basic smart phone is a miracle device and the differences between the best ones are most relevant if you use a Mac computer or and all about Google. The trailing edge with 4LTE will last a couple years just fine. FWIW, I am an Apple guy- se...
by WhyNotUs
Wed Oct 29, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 106
Views: 8877

Re: Money saved by buying a hybrid or electric car?

I drove an old, reliable, and cheap Sienna van so I probably did not save money buying my Leaf. It was more of a act to support the redirection in auto technology rather than shrewd economics. Regardless, the tax credits made it possible. I would probably not have been able to talk myself into it ot...
by WhyNotUs
Tue Oct 28, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6193

Re: Buying Salmon Online

I have bought whole salmon that were flash frozen for many years. I have had them fedexed in dry ice in 50 lb. boxes from http://www.capecleare.com and there are others that offer similar. I like Rick's fishing ethos so I buy from him. While they might not be the same as eating from the campfire aft...
by WhyNotUs
Tue Oct 28, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1736

Re: Closing a house on Thursday but...

There were other issues in the inspection report, and I am not satisfied with how the repairs have been dealt with either. Not deal breakers but something that would cost me a total of 3-4K to fix. I am having second thoughts on buying the house. What can I do? Can I back out of the closing? I woul...
by WhyNotUs
Mon Oct 27, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing a house on Thursday but...
Replies: 21
Views: 2180

Re: How difficult is probate court? (NYC)

With just 2 items (stocks + savings bonds), how difficult would it be if I went to Probate court? Or should I get a lawyer? I served as executor of a pretty involved, seven-figure estate (with will) that was a challenge due to some incomplete legal work. We were in Suffolk rather than Manhattan but...
by WhyNotUs
Mon Oct 27, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: How difficult is probate court? (NYC)
Replies: 13
Views: 1691

Re: Water testing kit?

Every state has water testers certified by that state. I would recommend you use one from your state via googling your state enviro health dept. They will send you a kit and instructions for how to withdraw and handle the sample. You can call with questions. Assuming that you are on a public water s...
by WhyNotUs
Mon Oct 27, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Water testing kit?
Replies: 7
Views: 710

Re: Bogleheads.org equivalents for other areas of life?

I'd love to get a recommendation on forums dedicated to sailing, owning a boat, being out to sea, etc. Thanks for the links so far! Cruisers Forum is the king, my favorite section is Sailor's Confessional but there is lots of practical info there as well. Priceless live aboard info and connections ...
by WhyNotUs
Sun Oct 26, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7599

Re: Conflicting home inspection reports

There are two types of questions to be answered: 1.) questions of fact 2.) Questions of responsibility Facts, there are two different statements about water intrusion/damage- did your inspector take photos as one typically would? If so, then you can present the seller with those photos and other evi...
by WhyNotUs
Sat Oct 25, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Conflicting home inspection reports
Replies: 5
Views: 738

Re: Is investing in real estate worth it?

So a few questions: 1) Is it worth it? 2) How'd you get started? 3) Any good books you recommend? In theory, I think I' could do it and it would work out fine. But in practice, I think I might get rattled/stressed when I experience my first major issue. From your comments I am guessing that you mea...
by WhyNotUs
Wed Oct 22, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is investing in real estate worth it?
Replies: 28
Views: 2560

Re: First time home buyer - realtor?

Should I have one at all and why? Should I seek a rebate realtor since the legwork of finding a place is done and they just need to help with the offer/negotiating? Should I just go the traditional route and hire a full commission realtor? If you are buying a property listed with a realtor, then ge...
by WhyNotUs
Mon Oct 20, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 471

Re: Sell bonds to buy real estate?

I general I would stick with my AA unless the taxes involved made that a deal killer. If so, then I would look into selling lots of holdings according to purchase price to look for tax loss harvesting, long term capital gains, etc. If I had to be off AA for a bit in order to avoid unnecessary taxati...
by WhyNotUs
Mon Oct 20, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell bonds to buy real estate?
Replies: 11
Views: 1201

Re: Need to replace AM FM receiver to accomodate DVD player

since you had good luck with Onkyo before, why not buy a Onkyo AV receiver? You can buy one with 7 channels and still only use two. That way if you change your mind, you can add surround later. techbargains.com will sometimes have links to refurbs and last years models at really attractive prices. G...
by WhyNotUs
Mon Oct 20, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Need to replace AM FM receiver to accomodate DVD player & TV
Replies: 3
Views: 307

Re: Buying a house without a realtor

See if your local library has or can get "Home Buying Kit for Dummies" by Eric Tyson. Not that you are a dummie but rather than this is your first home and your post suggests that a little homework on the process will help you be a better buyer.
by WhyNotUs
Mon Oct 20, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2850

Re: Attorney Hourly Rates?

Hourly will vary wildly by area and experience. More importantly, did you achieve good representation? On certain types of issues, a land use attorney can save many hours by already being familiar with the land use code, Comp Plan, and hearing processes. A cheaper (hourly) lawyer who does not work a...
by WhyNotUs
Sun Oct 19, 2014 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3102

Re: multi-family investment plans

Finding money will be really hard for you. Any chance to partner with an experienced mfh developer on your project to create a start of a track record? The bank is going to want credit and significant skin in the game, you are probably looking at private money for loan with a refi upon occupancy.
by WhyNotUs
Sat Oct 18, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: multi-family investment plans
Replies: 6
Views: 636

Re: multi-family investment plans

Since you should have some skills at putting together the vertical construction costs and critical path, I would focus on asking/learning about other considerations. I would start with asking if there is high demand, high rent, and low building costs then why aren't people building more apartments? ...
by WhyNotUs
Fri Oct 17, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: multi-family investment plans
Replies: 6
Views: 636

Re: New House Built on a Wrong Lot

Anyone can sue anyone. The various insurance agencies involved and the owner of the lot the home was built on will most likely seek a settlement. The lot the house was built on was worth more money that the intended lot so someone will have to come up with some cash if the goal is a lot exchange. I ...
by WhyNotUs
Fri Oct 17, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: New House Built on a Wrong Lot
Replies: 9
Views: 1781

Re: Retired, my viewpoint has changed again.

Churchill is quoted as saying "we shape our buildings; thereafter they shape us" I think the same is true for money. We invented the dollar bill and then it started to shape our lives. Being conscious of our relationship to money is hard work and can lead us into our fears and hurts. Part ...
by WhyNotUs
Thu Oct 16, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired, my viewpoint has changed again.
Replies: 22
Views: 3240

Re: How to wrap my head around downsizing my home?

I would be talking to two realtors, one in my area to sell my house and the second in the City. I would ask my realtor for an as-is, fast sale assessment of price for my house with comparables to support their recommendation. Sell it and move on. Sounds like a great house with good energy that someo...
by WhyNotUs
Wed Oct 15, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3630

Re: Owning property jointly with family member

I had a real estate investment partnership with a business partner in an investment property once and it was important to both of us that we not have a melt down that impacted our professional lives. We agreed to a process that was to: 1.) Create an outline of a Term Sheet- what issues we each thoug...
by WhyNotUs
Wed Oct 15, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Owning property jointly with family member
Replies: 15
Views: 1256

Re: What happened to the audiophile?

Now, though, it seems that people download music, and it is almost all MP3s. Granted, you can fit thousands of these on your iPod but the sound quality is really terrible. We would have sneered at these in my stereo store days. But this seems to be what music is now. Am I missing something? Where d...
by WhyNotUs
Tue Oct 14, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3950

Re: Travel To Cancun Area Christmas 2014

Without knowing what your family likes to do, hard to give much info but here are some general tips: Akumal has the type of accommodations you seek, nice beach, good snorkeling, enough restaurants to meet your desires. About 1.5 hours south of Cancun. There are resorts and homes/condos at Half Moon ...
by WhyNotUs
Tue Oct 14, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Travel To Cancun Area Christmas 2014
Replies: 3
Views: 488

Re: Shed into gym?

$2 a square foot and you are getting new roof and siding?
I would take that deal with or without a gym, are you sure that is the cost?.
by WhyNotUs
Mon Oct 13, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Shed into gym?
Replies: 23
Views: 2133

Re: Sale of house-closing tomorrow, buyer is backing out

When you get your next deal, keep showing and working on backup offers. Things happen.
by WhyNotUs
Mon Oct 13, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5302

Re: Best town I've never heard of [for relocating]

Hello fellow Bogleheads! * Within an hour of a "big" city, with 500K + population * 4 distinct seasons, bearable winter * excellent public school system * mid-low cost of living * Beautiful scenery Whatcha got? Louisville, CO. On lots of Top Ten lists: http://en.wikipedia.org/wiki/Louisvi...
by WhyNotUs
Sun Oct 12, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10041

Re: sell this rental property?

Hmm, this one would not look like a keeper to me. $2077 a month going out without accounting for capital replacement, vacancy, maintenance and $1550 coming in. I must admit to being more conservative than JimB and his formula of including potential appreciation and principal reduction in assessing r...
by WhyNotUs
Tue Oct 07, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell this rental property?
Replies: 8
Views: 1016

Re: Snow Blower

Two stage Toro 24" is on its 7th year. I use only ethanol-free gas and clean or change the plug each year. Only real maintenance is shear pins, buy plenty.
by WhyNotUs
Tue Oct 07, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 2827

Re: Splurge vacation recovery--Hawaii or?

Hawaii seems like a safe choice but not necessarily an all-inclusive. In Maui, you could stay in Kaanapali and walk to lots of restaurants. Mexico and Dominican Rep. are AI kings right now but that seems like an unnecessary threat to your system. My wife and I take annual adventures around the globe...
by WhyNotUs
Tue Oct 07, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 2833

Re: Moving, Scaling Back, or both?

I have lived in very attractive resort areas my entire adult life, actually since getting on an airplane two hours after my last college final. There are people who work themselves crazy in these places as well and rarely enjoy the benefits of their surroundings. There are also people who make consc...
by WhyNotUs
Tue Oct 07, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving, Scaling Back, or both?
Replies: 14
Views: 1339

Re: New hardwood floor

I would buy pre-finished wood flooring. Better seal, less fumes and dust, faster install.
Most is 3/4 so assuming that your subfloor is good would be ok with patio door.
by WhyNotUs
Sun Oct 05, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 1604
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