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Re: New Vanguard White Paper: "Factor-based investing" (Apr

A nice 30,000 foot level look at factor investing. Highly advised to review if you wish to understand the approach.
by WhyNotUs
Fri Apr 17, 2015 10:22 am
 
Forum: Investing - Theory, News & General
Topic: New Vanguard White Paper: "Factor-based investing" (Apr '15)
Replies: 17
Views: 2006

Re: Buying new Prius V... Help!

Toyota is offering 0% for up to 60 months so no need for Pen Fed, run your wife's SS# first to see, might work. You will know in minutes. We bought a Leaf instead but looked hard and Prius V and liked many things about it. Google leather seat covers and you will see that they are easy to find, perso...
by WhyNotUs
Thu Apr 16, 2015 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Buying new Prius V... Help!
Replies: 10
Views: 1088

Re: Vehicle for tall people/Spouse wants 50k car help!

Unfortunately, height alone does not tell you which car to buy. Some people have length in legs, others torso and it explains why two tall people experience the same car so differently. For leg people, the Hyundai Elantra is pretty good and gets good mpg. Torso people tend to go for the taller boxy ...
by WhyNotUs
Tue Apr 14, 2015 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 74
Views: 5057

Re: Moab: rent an SUV or just a car?

It will be warm and potentially hot in May so plan accordingly. I spend a lot of time in that area and some years find that to be past the point of my comfort, other years it is still great. If you have not been before, there is so much to do and see in Arches, Canyonlands, and at Dead Horse Point t...
by WhyNotUs
Mon Apr 06, 2015 7:38 am
 
Forum: Personal Consumer Issues
Topic: Moab: rent an SUV or just a car?
Replies: 35
Views: 3718

Re: Letter from Lawyer to enter my property to construct roa

In addition to contacting the title company, I would look at your title insurance. It was part of your closing packet. Schedule B in identified Exceptions to their insurance. During your Inspection period, the Title Co researched your chain of title and disclosed any encumbrances to title and they e...
by WhyNotUs
Fri Apr 03, 2015 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Letter from Lawyer to enter my property to construct road
Replies: 39
Views: 6274

Re: MacBook Air or MacBook Pro

Macbook Pro, greater conceivability, better storage, and sturdier case
by WhyNotUs
Wed Apr 01, 2015 9:48 pm
 
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 1842

Re: Honeymoon Ideas

Mayan Riveria is a steal. www.bookit.com or cheapcaribbean.com. Same $1000 pp range +/- Isla Mujeras and Tulum are nice.
by WhyNotUs
Tue Mar 31, 2015 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Honeymoon Ideas
Replies: 31
Views: 2412

Re: Fidelity "Greenline Forum"

I used to have an account with Fido and participated, it was not very useful information. They sent surveys and seemed to be probing for info on assets that I had with other institutions.
My overall experience with Fido was good but not Greenline.
by WhyNotUs
Mon Mar 30, 2015 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity "Greenline Forum"
Replies: 9
Views: 1499

Re: Crowd Funded Real Estate Investing...

Some of the smartest and most experienced investment advisors for endowments investing in alternative investments have had great success (2004-2008) and great failure (2009-2011) in funding real estate development. There are some good projects out there and a lot of wishful thinking. Projects that g...
by WhyNotUs
Sun Mar 29, 2015 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Crowd Funded Real Estate Investing...
Replies: 7
Views: 722

Re: Fish from Costco?

For health benefits, try Barramundi. Has the benefits of salmon with a milder flavor. Costco has decent frozen. Costco also has pretty good cod.
by WhyNotUs
Mon Mar 23, 2015 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5671

Re: VBRO and Airbnb versus property values

If the neighbor gets into a fight with the HOA and their position is based on info provided by you, then you could become a party to some claim. Does not mean that they would have a actionable claim but might thrown it into a court action since you would likely be a witness. Local zoning and enforce...
by WhyNotUs
Mon Mar 23, 2015 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3928

Re: Does an electric car make sense for commuting?

11,000+ commuting miles on our Leaf so far. No issues. Did well in the snow. We are lucky that we have both paid for solar for our home charging and charging stations that are currently without fee around our region. In the summer I was over 90 miles per charge and over 70 in the winter. Focus was a...
by WhyNotUs
Mon Mar 23, 2015 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 2544

Re: Calling all concrete experts (replacing old driveway)

Driveway work is also a time to think about infrastructure and drainage. Putting sleeve/s under the concrete for any potential future electric, irrigation, or other lines is worth considering. Also consider the slope of the property and where you would like stormwater to be directed. Although others...
by WhyNotUs
Mon Mar 23, 2015 8:51 am
 
Forum: Personal Consumer Issues
Topic: Calling all concrete experts (replacing old driveway)
Replies: 15
Views: 1669

Re: Credit Check to Rent an Apartment?

+1 for Transunion Smartmove
I am a landlord and use it to respect my tenant's privacy while performing my due diligence.
by WhyNotUs
Wed Mar 11, 2015 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1560

Re: Driveway Replacement Cost

For example, if an asphalt driveway costs $10k, how much would gravel be, what about concrete or pavers? In my area assuming no major site work since you already had a drive there. 2" quality asphalt= +/- $2.50 sf, 4" asphalt (recommended) $4 Concrete 4" gray with broom finish = $5.7...
by WhyNotUs
Sun Mar 08, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: Driveway Replacement Cost
Replies: 36
Views: 2750

Re: Mac reliability?

Thirty years of Macs, just bought a new/refurb iMac to replace a 5+ year old refurb iMac. As Nisprius displayed, they are reliable. There is in fact an issue now with people who took the free upgrade to Yosemite and lost their POP settings and are in email limbo. Not sure how common it is but it hap...
by WhyNotUs
Fri Mar 06, 2015 10:29 am
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 4853

Re: ingress,egress,easement

called a prescriptive easement. That means that if a person has been using another person's property for X amount of time (measured in years and I suppose it varies by state) without any objection from the owner, that person can claim a prescriptive easement. This basically means that since the own...
by WhyNotUs
Mon Mar 02, 2015 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: ingress,egress,easement
Replies: 16
Views: 1747

Re: Pellet stoves -- whats your take?

1. Do you have one and did you install it or the house came with it? If you did install it did you see the cost of heating go down? Alternately the temperature you keep your house at went up, at the same cost for heating? Installed it in 1994. Winston is brand, I think they are out of biz now. Elect...
by WhyNotUs
Fri Feb 27, 2015 9:57 am
 
Forum: Personal Consumer Issues
Topic: Pellet stoves -- whats your take?
Replies: 38
Views: 2997

Re: ingress,egress,easement

If you get the property under contract with a reasonable Title Objection Deadline, then get a Title Commitment for a title policy drafted by the strongest title company in your area. They will research the title and may or may not find that "easement". Either way, make them aware of it and...
by WhyNotUs
Fri Feb 13, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: ingress,egress,easement
Replies: 16
Views: 1747

Re: Hawaii Visit (Maui). Need advice

From tomorrow we are visiting Maui for 5-6 days. Our airline, hotel ( Napili point, kapalua, ) and car are booked. I am looking for advice for activities, eating places etc. Wife and I are going and we in our late 40's , early 50's and in good health. I will be attending a conference for 4-5 days f...
by WhyNotUs
Sun Jan 25, 2015 9:43 am
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2617

Re: Land - Me or my Neighbor

Send the question in writing to your insurance agent and ask for an answer in writing.
by WhyNotUs
Mon Jan 19, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3502

Re: Best albums from 2014?

Old Crow Medicine Show- Remedy
Soja- Amid the Noise and Haste
Trigger Hippy- TH
String Cheese Incident - Song in my Head
Mike Farris- Shine for All People
Ruthie Foster- Promise of a New Day
by WhyNotUs
Tue Jan 13, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 5680

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: 789

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: 1086

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: 1081

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: 5500

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: 6926

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: 5860

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: 71
Views: 8550

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: 730
Views: 97349

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: 8084

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: 2179

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: 5406

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: 517

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: 1906

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: 2015

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: 436

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: 1566

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: 1981

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: 1453

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: 7297

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: 7068

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: 107
Views: 10847

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: 7068

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: 1856

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: 2283

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: 1915

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: 740

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: 8475

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: 782
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