Search found 557 matches

by WhyNotUs
Thu Jul 02, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 83
Views: 8755

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: 20
Views: 1769

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: 33
Views: 5209

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: 43
Views: 3198

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: 132
Views: 8497

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: 4589

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: 530

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: 2558

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: 7719

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: 6792

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: 2366

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: 1624

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: 1052

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: 3374

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: 11040

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: 4521

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: 1455

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: 9819

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: 2803

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: 66
Views: 5677

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: 1859

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: 1564

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: 1424

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: 1424

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: 688

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: 3205

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: 634

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: 4423

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: 6672

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: 9956

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: 4600

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: 710

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: 2306

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: 4600

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.
by WhyNotUs
Sun May 10, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Lecture me about "too much house"
Replies: 49
Views: 5719

Re: Lecture me about "too much house"

In addition to mortgage payment, key considerations for young families Driving- it is a life waster. How close to work, school, friends, shopping, doctors? Less drive time means more family time and less frustration running around. If there is a primary caretaker at home, being close to work allows ...
by WhyNotUs
Sun May 10, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house? Capital gains, other considerations
Replies: 3
Views: 521

Re: Should I sell my house? Capital gains, other considerations

I would start by understanding my soon-to-be wife's attachment to the house. Happy wife, happy life. Does she see you living there and raising a family in Denver or is it more like a warm feeling from good times there that she will get over. If you do not see yourself living there again then I would...
by WhyNotUs
Fri May 08, 2015 8:41 pm
Forum: Personal Consumer Issues
Topic: Shared Fence Issue with (Commercial) Neighbor
Replies: 10
Views: 1298

Re: Shared Fence Issue with (Commercial) Neighbor

Offer to pay for a survey to stake out the property line. They build the new fence all on their property. There is a decent chance that the zoning code requires a fence along commercial property adjacent to residential. You would have to check code to confirm or not. If you do not like their fence t...
by WhyNotUs
Tue May 05, 2015 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a business, want advice on seller financing.
Replies: 6
Views: 860

Re: Selling a business, want advice on seller financing.

It looks like a pretty good buyer if they are bringing $100k plus $100k from loan. The bank will have done some due diligence. The reason to charge higher interest, to me, would be because your interest will be subordinate to the banks. If something goes wrong, their interest will be satisfied first...
by WhyNotUs
Tue May 05, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to excavate shallow water hole common to both properties
Replies: 31
Views: 2711

Re: Neighbor wants to excavate shallow water hole common to both properties

You have not shared whether you want a pond? If so, why? Since your homesite is above this location and it does not seem essential to your plans you could consider a lot line adjustment in exchange for an easement to improve your access. Your neighbor gets his pond and all that goes with it, rights ...
by WhyNotUs
Tue May 05, 2015 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Family + Rental Property + Interesting Scenario
Replies: 22
Views: 2312

Re: Advice Needed: Family + Rental Property + Interesting Scenario

Your situation is a little tricky since the "gift" is not really a gift but rather more like pre-paid rent. IF it was a gift, then she could file gift tax and apply the amount to her lifetime exclusion, which sounds like her estate would be below the maximum. Coming up with a fair formula ...
by WhyNotUs
Sun May 03, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: South America [vacation recommendations]
Replies: 32
Views: 2770

Re: South America [vacation recommendations]

South America is huge is an incredible array of choices depending on your interests. Knowing you want to be warm during American winter helps. Even within a country there is so much variation. I was in Peru a couple years ago in December and there were hot, rainy, and cool climates to consider based...
by WhyNotUs
Sat May 02, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Things to do in Maui
Replies: 20
Views: 1729

Re: Things to do in Maui

If I only had four days I would skip the big driving adventures (Hana and Haleakala) and get a little beach time, walking and culture. I like Napili in the NW side of island by Kapalua. It has a great beach that will allow you to snorkel, paddle board, boogie board, and swim in one location. There a...
by WhyNotUs
Wed Apr 29, 2015 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Private Schools - Tuition
Replies: 90
Views: 5850

Re: Private Schools - Tuition

For me it is a % of income question. I had two children who went to private school pre-k to 8 and then small, private liberal arts schools for college. At one point we had planned on living at our second property in Hawaii but the closest good school would have been $40k a year. We moved back to our...
by WhyNotUs
Mon Apr 27, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt (lease/buy) vs. used Leaf (in CA)
Replies: 3
Views: 549

Re: Chevy Volt (lease/buy) vs. used Leaf (in CA)

If I were serious about a used Leaf, I would load up Leaf Spy and buy the input you plug in to read the computer outputs for the battery status and ask the owner to provide a full charge and let you run the test during a test drive. You can post the results on mynissanleaf.com for an assessment of t...
by WhyNotUs
Mon Apr 27, 2015 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Buying condo in commercial building
Replies: 10
Views: 921

Re: Buying condo in commercial building

If you need a quick sale it will be an issue. I would expect to receive a modest discount to market compared to a condo in an all-condo building at this time. Over time mortgage protocols change and there were issues coming out of the great recession in mixed use buildings with over 25% commercial. ...
by WhyNotUs
Sun Apr 26, 2015 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For Buying A House From A Big-Box Builder
Replies: 11
Views: 1925

Re: Advice For Buying A House From A Big-Box Builder

You gave no indication of what is standard and what are upgrades so it is a wild guess to respond. Assuming that you will live there for an extended period of time, look at • fiber cement siding (it may be an upgrade or may not) • architectural grade shingles vs standard 3 tab • high-efficiengy heat...
by WhyNotUs
Sat Apr 25, 2015 7:57 am
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 66
Views: 7719

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

Sounds like an excellent deal, you will have to look at the charging equipment issue and cost but that has come down quite a bit as well. I am not familiar with the Spark but own a Leaf. I bought my Leaf as I live far from a dealer and on a gravel road but if I had lived in a city I would have prefe...
by WhyNotUs
Fri Apr 24, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Home Improvements - Need Help/Advice on how to proceed
Replies: 2
Views: 378

Re: Home Improvements - Need Help/Advice on how to proceed

I would start with what you can control and then bring in a professional to help you test viability before selecting the approach to financing. This approach will take a little time but allows you to test the idea with minimal investment. The background info will make you a better client if you deci...
by WhyNotUs
Fri Apr 24, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 1815

Re: 1 day in San Francisco, no car

SF is a City of neighborhoods, on foot is a wonderful way to experience the city and when someone from that neighborhood is giving you an oral history and current insights it is even better.

http://www.sfcityguides.org/current_schedule.html
by WhyNotUs
Wed Apr 22, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland: Should we sell or keep?
Replies: 40
Views: 4085

Re: Inherited farmland: Should we sell or keep?

In general, the limited supply of buyers and high transaction costs are a turn-off for me. Since the future owners seem interested in ag use you might want to explore the timber value before you sell to capture some of that value. The other scenario that might make me consider hanging on would be mi...

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