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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 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6874

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 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 23
Views: 1465

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 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1670

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 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing a house on Thursday but...
Replies: 21
Views: 2119

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 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How difficult is probate court? (NYC)
Replies: 9
Views: 1120

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 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Water testing kit?
Replies: 7
Views: 605

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 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6758

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 10:12 am
 
Forum: Personal Consumer Issues
Topic: Conflicting home inspection reports
Replies: 5
Views: 721

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 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is investing in real estate worth it?
Replies: 28
Views: 2502

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
Tue Oct 21, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 444

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 11:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell bonds to buy real estate?
Replies: 11
Views: 1189

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 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Need to replace AM FM receiver to accomodate DVD player & TV
Replies: 3
Views: 298

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 10:47 am
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2813

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 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3031

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 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: multi-family investment plans
Replies: 6
Views: 605

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 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: multi-family investment plans
Replies: 6
Views: 605

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 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: New House Built on a Wrong Lot
Replies: 9
Views: 1752

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 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired, my viewpoint has changed again.
Replies: 22
Views: 3171

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 10:35 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3580

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 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Owning property jointly with family member
Replies: 15
Views: 1245

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
Wed Oct 15, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3744

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 10:19 am
 
Forum: Personal Consumer Issues
Topic: Travel To Cancun Area Christmas 2014
Replies: 3
Views: 447

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 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Shed into gym?
Replies: 23
Views: 2039

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 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5113

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 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9787

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 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell this rental property?
Replies: 8
Views: 954

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 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 2661

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 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Splurge vacation recovery--Hawaii or?
Replies: 30
Views: 2701

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 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving, Scaling Back, or both?
Replies: 14
Views: 1292

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 6:00 pm
 
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 1520

Re: Does insulating attach'd unheated garage improve efficie

You might have a few questions there. Assuming you are asking whether it has any effect, the answer is yes. Having an uninsulated garage will even make some difference, assuming some delta between garage and outdoor temp. and windbreak benefits. A different question is whether that is the most effic...
by WhyNotUs
Thu Oct 02, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Does insulating attach'd unheated garage improve efficiency
Replies: 20
Views: 1700

Re: Hard Money Lending, flipping houses 12% return Lets hear

I can't let the opportunity pass to point out the irony of the automatic assumptions about crooks in this field of rehabbing. You would think from the comments that we are all invested in a rational and level-playing field world. Hah! We are all investing our retirement (at least those of us in stoc...
by WhyNotUs
Tue Sep 30, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3098

Re: Hard Money Lending, flipping houses 12% return Lets hear

Hard money lending is a legitimate business and has returns commensurate with the risk. The fact that someone needs hard money does not imply that they cannot do the work or have no track record (nor does it imply they do). Rehabbers and flippers are often people that are entrepreneurial, have bad c...
by WhyNotUs
Tue Sep 30, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3098

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: 15
Views: 1212

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: 3735

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: 1591

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: 32
Views: 2008

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: 32
Views: 2008

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: 1937

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: 1289

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: 47
Views: 3937

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: 1107

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: 47
Views: 3937

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: 212
Views: 15628

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: 29
Views: 2019

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: 4226

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: 5823

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: 1074

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: 1453

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: 9432
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