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by WhyNotUs
Tue May 26, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Church Endowment RFP
Replies: 8
Views: 591

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: 2833

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: 571

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: 4109

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: 6368

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: 9201

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: 4237

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: 623

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: 2043

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: 4237

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: 5332

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: 492

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: 1264

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: 789

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: 2587

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: 2172

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: 2571

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: 1651

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: 5506

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: 501

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: 880

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: 1875

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: 46
Views: 3366

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: 350

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: 1563

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: 3753

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...
by WhyNotUs
Wed Apr 22, 2015 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Handling cash in Vietnam
Replies: 13
Views: 1172

Re: Handling cash in Vietnam

On top of the 3% intl fee, she is likely to face a fee from the bank that has the ATM. ATMs are pretty easy to find and cards are pretty easy to use in the city. In the rural areas I used dong. Kind of made me feel rich to buy things for 50,000 dong on a regular basis. I ran out of cash after an une...
by WhyNotUs
Wed Apr 22, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Mac computer people (or others) need your thoughts
Replies: 15
Views: 1426

Re: Mac computer people (or others) need your thoughts

Pop funders are not a virus. Some are scareware to try to get you to buy something (MacKeeper) and others are annoying in other ways. They are very different than a worm or virus that can attack your system or create a gateway for others to access your data. You hit a button that loaded something in...
by WhyNotUs
Mon Apr 20, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Using Zillow/Zestimate to value a home?
Replies: 43
Views: 4862

Re: Using Zillow/Zestimate to value a home?

I have not found Zillow to be accurate enough in our area for making bids. If someone offered the price listed for my house on Zillow, the conversation would end. If you are working with a Realtor, they can pull comparable recent sales and you can drive around to confirm whether you want to rely on ...
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: 21
Views: 3282

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
Thu Apr 16, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Buying new Prius V... Help!
Replies: 11
Views: 1452

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
Tue Apr 14, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5830

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
Mon Apr 06, 2015 7:38 am
Forum: Personal Consumer Issues
Topic: Moab: rent an SUV or just a car?
Replies: 35
Views: 3790

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
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: 6464

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
Wed Apr 01, 2015 9:48 pm
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 1949

Re: MacBook Air or MacBook Pro

Macbook Pro, greater conceivability, better storage, and sturdier case
by WhyNotUs
Tue Mar 31, 2015 8:11 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Ideas
Replies: 31
Views: 2574

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
Mon Mar 30, 2015 10:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity "Greenline Forum"
Replies: 9
Views: 1595

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
Sun Mar 29, 2015 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Crowd Funded Real Estate Investing...
Replies: 7
Views: 763

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
Mon Mar 23, 2015 5:39 pm
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 6194

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 9:19 am
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 4194

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 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 2717

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 8:51 am
Forum: Personal Consumer Issues
Topic: Calling all concrete experts (replacing old driveway)
Replies: 15
Views: 1774

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
Wed Mar 11, 2015 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Check to Rent an Apartment?
Replies: 23
Views: 1691

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
Sun Mar 08, 2015 10:37 am
Forum: Personal Consumer Issues
Topic: Driveway Replacement Cost
Replies: 36
Views: 2915

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
Fri Mar 06, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 5186

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
Mon Mar 02, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: ingress,egress,easement
Replies: 16
Views: 1839

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
Fri Feb 27, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: Pellet stoves -- whats your take?
Replies: 38
Views: 3176

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 13, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: ingress,egress,easement
Replies: 16
Views: 1839

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
Sun Jan 25, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2705

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
Mon Jan 19, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3593

Re: Land - Me or my Neighbor

Send the question in writing to your insurance agent and ask for an answer in writing.

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