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Re: Woodpeckers...I'm desperate!

My neighborhood experiences the joys of wood pecking. Tried most of the natural things that are on the net or from Extension Agent to no avail. I filled or tinned holes and patiently waited until it was time for new siding and then used the Hardie cement siding. They have moved on to neighbors cedar...
by WhyNotUs
Sun Apr 13, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3042

Re: Passport, TSA Pre-Check, and Global Entry

We signed up for TSA Pre when they came to our little airport and offered signup. I would usually get it through in FF program but wife did not. We were motivated by missing a flight from FLL to CHI recently. Transferring from Intl flight required running through garage to another terminal and then ...
by WhyNotUs
Sun Apr 13, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2309

Re: Considerations For Executor

The level of complexity varies by state law/taxation, scope and type of assets affected by the will, and nature of inheritors. Sounds like his requests are larger than executor of will. If house is held jointly and wife outlives him, it is not subject to will. One presents Death Certificate and the ...
by WhyNotUs
Wed Apr 09, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Considerations For Executor
Replies: 10
Views: 1170

Re: Being a trustee for a friend's estate

You don't have to sign papers on demand. Ask your friend to authorize 60 minutes of his attorney's time to meet with you in order to walk through the documents and answer your questions. Need to understand your friends intentions (both written and unwritten) for your service as trustee, your fiducia...
by WhyNotUs
Tue Apr 08, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Being a trustee for a friend's estate
Replies: 14
Views: 1117

Re: Do I take the separation package offer?

As someone who has been self-employed there whole adult life, these choices seem incredible to me. I have never had a paid vacation. Congrats on your hard work putting you into this position. 46 weeks of pay to transition into retirement would have me spending all my time on Kayak and Tripadvisor.
by WhyNotUs
Tue Apr 08, 2014 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 49
Views: 3951

Re: Property investment: should my name be on the deed?

Don't know about your state but an LLC can be set up online in a few minutes in mine. It separates your assets from the investment and property is then held by LLC. The LLC Operating agreement defines and describes the investment- initial and ongoing, work terms, distributions, forced sale, etc. If ...
by WhyNotUs
Tue Apr 08, 2014 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Property investment: should my name be on the deed?
Replies: 15
Views: 688

Re: Home improvement plans not filed with town?

Ask the owners whether the improvements were done with a building permit. Don't go to town first or you may create problems for the owner. If not, after contract, prior to closing have an inspection contingency that allows your inspector to open and repair any walls necessary in order to assess safe...
by WhyNotUs
Mon Apr 07, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Home improvement plans not filed with town?
Replies: 21
Views: 935

Re: Advice on negotiating price of home?

Hi Bogleheads, I That would be easy and great, except we have been using a realtor who is a good friend. What would be the proper, respectful way to explain the situation to our realtor? 2. How can we reasonably negotiate on price? 3. Finally -- and this is bigger picture -- are we even fools for e...
by WhyNotUs
Mon Apr 07, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on negotiating price of home?
Replies: 14
Views: 1125

Re: How do I value my business?

Question: If we were to sell our company to our current customer, what type of value would you put on it? We feel that if we based the valuation solely on the numbers, we wouldn't be worth all that much. But since they NEED our product, we feel that there should be some significant premium on the b...
by WhyNotUs
Sun Apr 06, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I value my business?
Replies: 6
Views: 672

Re: Best place to shop for Office Furniture

For a deal, try used office furniture stores, have to haggle but can get great deals on quality furniture. Call ahead and ask what brands of chairs they have in stock. That will often be an indicator of what they will have in their inventory.
by WhyNotUs
Sat Apr 05, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Best place to shop for Office Furniture
Replies: 8
Views: 642

Re: Portfolio advice taking extended time off at 29

I will leave it to other to discuss the ETFs allocation. I did what you are planning twice in my life and loved both adventures. You are young enough that the funds will have time to lose and regain before you need them as long as you do not dip into them. If you want some bonds in the mix just keep...
by WhyNotUs
Fri Apr 04, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice taking extended time off at 29
Replies: 5
Views: 427

Re: Home Search: how flexible should we be? 2x-2.5x

The 87% previous sale gives you a rational reason to make an offer below offered price. Not saying they can or would accept it but I find that having a rationale makes a difference. Only you and your wife can establish value of home as % of monthly income. If you have student debt, want a nicer hous...
by WhyNotUs
Fri Apr 04, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Search: how flexible should we be? 2x-2.5x
Replies: 10
Views: 1109

Re: Reaching $1M in Total Assets

Tax Filing: Single Tax Rate: 18% Federal, 0% State Income: $100k/yr Write a book on how to earn $100k per year, file single, and pay 18% in federal tax and you will hit $1M in no time. On a more serious note, congrats it sounds like you will be there soon enough. At your age, a big allocation of eq...
by WhyNotUs
Fri Apr 04, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 5840

Re: Saving on major renovations

Thanks for the detailed information. What do you think about Ikea cabinets? Great idea to get measurements and go to a store. So is a Wolf range a bad idea? Our realtor agrees with you that the stove is the only place to really spend $. The house will be in the $1.6 m range so I'm keeping that in m...
by WhyNotUs
Fri Apr 04, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2448

Re: Any Bogleheads here into real estate investing?(renting

Hi Bogleheads, I've considered trying to run the hypothetical numbers... would my money be best kept where it is, or doing something like this, but the math on that is going to be very very difficult. So I thought I'd ask people I trust. Is this a smart way to build wealth? Anyone else looked into ...
by WhyNotUs
Thu Apr 03, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 53
Views: 3625

Re: LED bulb prices

If you primary concern is cost-benefit, CFLs will probably make the most sense for a while.
by WhyNotUs
Tue Apr 01, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 7971

Re: LED bulb prices

I bought a 4 pack of felt LED floods at Lowes a couple months ago for $50. Utility gave me rebate for 50% so net was $6.25. They fit in the track fixtures that I had, are dimmable and, are in the 2700-3000 k range that I like. So far, so good. It will take 20 years to know whether they will last.
by WhyNotUs
Tue Apr 01, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 7971

Re: BH Vacations

OP, sounds like renting a big house a days drive away might be a fun group outing. Don't know where you live but there is probably a really nice place within a days drive that everyone could afford for a four day weekend. For me, I do not feel any sacrifice in driving an old car, eating at home, dri...
by WhyNotUs
Mon Mar 31, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3167

Re: [High-frequency trading hurts regular customers]

HFT is bad for the markets IMO on a number of fronts and threatens the long term viability of the markets due to loss of trust in the institution among the public- retirement funders, retail investors, etc. 1.) Paying for early info- the playing field is not fair 2.) Frontrunning- it is in essence s...
by WhyNotUs
Mon Mar 31, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 6126

Re: Boxed Wines

Bota Box Shiraz
Black Box Malbec


Don't drink white so cannot comment. The quality of $10 bottle wines, at least in red, has also gone through the roof. Mendoza Malbecs work for me.
by WhyNotUs
Mon Mar 31, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Boxed Wines
Replies: 29
Views: 1902

Re: Being my own contractor for a bathroom remodel?

Not sure that you have a problem. You can be GC and presumably already have liability insurance on your house that should cover someone if they were injured. You know that you need to hire a licensed electrician, just like a GC would. You know what you want to do, just draw it on graph paper and sub...
by WhyNotUs
Mon Mar 31, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Being my own contractor for a bathroom remodel?
Replies: 19
Views: 1433

Re: How much to build a small house from scratch?

We had a caretaker unit built from a Matson shipping container on our farm in Hawaii. It was a project done in spurts as time and money allowed or free goods were acquired. I don't think we had $10,000 into it when done. When we sold the farm it had to move though as it was non-conforming. That said...
by WhyNotUs
Mon Mar 31, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1577

Re: Saving on major renovations

Two things tend to change the budget in a renovation for the worse- change orders and unexpected issues- water damage/structural defects/code compliance. The third is driven by whether the renovations require a building permit. If so, one needs to work with someone with code knowledge. That can be a...
by WhyNotUs
Mon Mar 31, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2448

Re: Metal roof vs asphalt shingles

No major changes, both have improved and installation is as still critical as materials.
I went with "lifetime" asphalt as the only metal roofs that appeal to me aesthetically are too expensive for my budget.
by WhyNotUs
Mon Mar 31, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Metal roof vs asphalt shingles
Replies: 7
Views: 894

Re: Redrawn flood zone map puts portion of property in FZ

Is there any other designation on other parts of your property FEMA uses zones (a letter or combination of letters) that add info to the designation. You have a couple of choices You can read your mortgage insurance requirements and try to figure it out. You can present your situation to the mortgag...
by WhyNotUs
Sun Mar 30, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Redrawn flood zone map puts portion of property in FZ
Replies: 22
Views: 1006

Re: investment property pros and cons?

I expect to put 25% down but have never invested in CA or Bay Area. If you bank with one of mega-banks, see if they service that area. A significant % of our NW is in RE. If you are far away, that will create management issues and likely a property manager. The main issues with being heavy into real...
by WhyNotUs
Sat Mar 29, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment property pros and cons?
Replies: 13
Views: 1089

Re: Things to do in and around Boulder, CO

The City and County of Boulder have amazing trails, a week would not put a dent in the amazing outings you can have. Maybe the best open space program in US. In May all of the trails should be open. A great time of year to visit Boulder. Info on trails https://bouldercolorado.gov/osmp/trails-and-map...
by WhyNotUs
Sat Mar 29, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in and around Boulder, CO
Replies: 16
Views: 833

Re: Buy Owner's Title Insurance?

There should have been a preliminary title policy that was issued for your review during escrow. That would disclose encumbrances and any issues related to title that were found by the title company. That will give you some sense of the risk that you are assuming. The opportunity exists during closi...
by WhyNotUs
Thu Mar 27, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy Owner's Title Insurance?
Replies: 11
Views: 990

Re: Financial Plan from Vanguard?

Can't speak to your financial plan from VG as that discussion is best left with your advisor. The process is questionnaire, draft, discussion, final. It sounds like you are only at step two. The questions that you are asking typically part of step three and result in changes that create your final p...
by WhyNotUs
Thu Mar 27, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial Plan from Vanguard?
Replies: 23
Views: 2922

Re: Partial rental of primary residence

If you are planning to try to use depreciation on the rental portion, then I suggest reading about the implications of that over time as well. If you are deducting portion of home expenses and repairs, then typical invoices will do the trick- utility bills, invoices from carpet cleaner, bill from ha...
by WhyNotUs
Thu Mar 27, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Partial rental of primary residence
Replies: 4
Views: 346

Re: Lawyer, Small Claims Court, or ?

First step would be to generate some evidence that someone else is responsible and who that someone is.
by WhyNotUs
Wed Mar 26, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer, Small Claims Court, or ?
Replies: 27
Views: 1250

Re: homeowner's insurance up 20+%

Has anyone not insured for replacement value and decided to take the money and rebuild elsewhere? Is it difficult to sell a small bit of land in a subdivision? You still own the lot and are responsible for dealing with the remaining structure as it poses a public nuisance. That will come out of you...
by WhyNotUs
Wed Mar 26, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: homeowner's insurance up 20+%
Replies: 11
Views: 930

Re: 3-to-1 Odds Favor Index Investors (SPIVA)

Is it even mathematically possible for odds to favor "active" over the long haul? It would depend on the amount of dollars in active compared to total dollars in the system and the delta between winners and losers. If there were lots of active funds that were beating the index but that di...
by WhyNotUs
Wed Mar 26, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: 3-to-1 Odds Favor Index Investors (SPIVA)
Replies: 15
Views: 1702

Re: Tough college choice

Will the diploma say FIT? That seems like the stamp to get on one's passport. The connections from being there are likely to add value to either school's education. I gave up with my daughters. Neither went to the school that was my first choice. I just told them what I was willing to pay (full cost...
by WhyNotUs
Mon Mar 24, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 54
Views: 4023

Re: Non-profit endowment: VG LifeStrategy?

Our investment committee receives a report with a comparison to 60/40 Total SM/Total Bond every quarter. That was one of my contributions to the dialogue. It may take a little time before our investment committee decides to change direction. The cost advantage for an endowment over an individual inv...
by WhyNotUs
Mon Mar 24, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-profit endowment question
Replies: 7
Views: 525

Re: Credit cards during and after college.

My daughters both graduated without ever having a card. Both signed up for secured cards and within six months the flow of card offers began. We spent an hour going over card offers so that they could learn about the fees, rates, and fine print and then they transitioned to regular cards. All in all...
by WhyNotUs
Mon Mar 24, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit cards during and after college.
Replies: 19
Views: 620

Re: One Ins. Co uses "Mkt Value" other uses "Cost to Rebuild

The risk that I am insuring against requires cost to rebuild. The market could switch and my house could be worth more than the cost to rebuild and I would then have to decide whether to pay an additional premium to insure market value-minus land cost. I would never put myself in a position in which...
by WhyNotUs
Fri Mar 21, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: One Ins. Co uses "Mkt Value" other uses "Cost to Rebuild" ??
Replies: 8
Views: 575

Re: Soliciting Ideas for Colorado Vacation in June

Yep, did Numbers at high water one year and will never forget the workout. This year looks like it will be a good runoff and our OP is getting to CO just in time for it. Good to get some of the action but not too much.
by WhyNotUs
Wed Mar 19, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Soliciting Ideas for Colorado Vacation in June
Replies: 29
Views: 1961

Re: Soliciting Ideas for Colorado Vacation in June

Glenwood Canyon- Shoshone trip with Whitewater Rafting in Glenwood Springs. 3/4 mile of yeehaw and then a nice float through canyon. Pretty easy, not very expensive, and fun. Browns Canyon is a more intense trip for those looking for a rough ride, especially during peak runoff (early June). If you h...
by WhyNotUs
Wed Mar 19, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Soliciting Ideas for Colorado Vacation in June
Replies: 29
Views: 1961

Re: Your thoughts on vacation home or second home

I like to watch HGTV house hunters and sometimes I get jealous of the people that spent ton of money on a vacation home. If you have the cash, says 200K, would you spend it on a vacation home? My husband doesn’t like the idea of a vacation home. Because he doesn’t want to go to there every year, an...
by WhyNotUs
Tue Mar 18, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3592

Re: House flipping investing - Am I wrong or what? Please ad

Why would someone doing this successfully for 2 years be hard up and willing to pay 16 percent interest for 6k? Doesn't smell right to me. That smell is the real estate business. Survival in real estate over time is best supported by reducing ones expectations of windfall and leveraging OPM. There ...
by WhyNotUs
Fri Mar 14, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 21
Views: 2325

Re: House flipping investing - Am I wrong or what? Please ad

Oops, I accidentally posted this to the previous thread: They are asking you to be the "Hard Money Lender" in the deal. You can google the phrase to learn more. There are people who do really well being hard money source. The rehabbers/flippers are often trying to tie up lots of property, ...
by WhyNotUs
Fri Mar 14, 2014 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 21
Views: 2325

Re: Investing in house flipping

They are asking you to be the "Hard Money Lender" in the deal. You can google the phrase to learn more. There are people who do really well being hard money source. The rehabbers/flippers are often trying to tie up lots of property, have bad credit history, and limited cash and thus are in...
by WhyNotUs
Fri Mar 14, 2014 10:21 am
 
Forum: Investing - Theory, News & General
Topic: Re: Investing in house flipping
Replies: 41
Views: 4235

Re: House too small; what to do?

If your basement has windows, then it is worth considering the basement. As your oldest ones get a bit older they might enjoy the sense of privacy down there. 700 sf is a lot to work with but might involve losing some storage or going to stacked washer/dryer. If you have a friend who is an architect...
by WhyNotUs
Tue Mar 11, 2014 8:33 am
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3058

Re: Any sailboat owners out there?

My favorite quote has been, " I never want to own a sailboat but always want to have friends with one" But alas, I just returned from a sailing trip in the Exumas and was greeted with my yacht club membership fees for this year at our local club. Have friends with blue water boats and a Hu...
by WhyNotUs
Mon Mar 10, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any sailboat owners out there?
Replies: 10
Views: 935

Re: Best way to shop for insurance? (spreadsheet included)

Insurance brokers provide this service and get a slice for the work.
by WhyNotUs
Mon Mar 10, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to shop for insurance? (spreadsheet included)
Replies: 4
Views: 368

Re: Vacation - Hawaii, Mexico, other ideas?

I lived in Maui when I was 25 (a long time ago) and have lived on Oahu and Big Island at different times. I think Maui has the best all around experience but things are somewhat spread out so you (and everyone else) will need a car in order to see everything. There are good beginner places to learn ...
by WhyNotUs
Thu Feb 27, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3177

Re: Can my grandfather take out his IRA and buy a house to r

A tool for buying real estate within an IRA is a Self-Directed IRA. You can google for more info. It is complicated and involves fees that must be carefully analyzed.
by WhyNotUs
Thu Feb 27, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my grandfather take out his IRA and buy a house to rent?
Replies: 42
Views: 2439

Re: Walton 4 Land Investment

Land can be a great investment, usually keeping pace with inflation and outpacing it when properly selected. This has not been my experience related to non-productive land. Paying cash and holding an asset without cash flow, with ongoing expenses, with high transaction costs, and slow transaction t...
by WhyNotUs
Wed Feb 26, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Walton 4 Land Investment
Replies: 9
Views: 1017

Re: how to find an architect

It would be pretty rare to have to worry about the house falling down and that is really up to the structural engineer (on the architect's team) and builder to design and construct a frame that will be sound for the long run. Good clients can help make architects better. If you can get some clarity ...
by WhyNotUs
Wed Feb 26, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: how to find an architect
Replies: 17
Views: 866
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