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Re: Once your house appreciates +$250k, sell it?

If you sell once and buy a $250,000 home, then you are done.
by WhyNotUs
Tue Sep 02, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 3
Views: 29

Re: LED recessed lighting question

Call your local electrical inspector. You will need to know about your insulation in the area proposed to answer their likely questions. Make sure that you understand what happens when the bulb needs to be replaced, some are integrated and require replacing more than the light bulb. I switched some ...
by WhyNotUs
Sun Aug 31, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 981

Re: Good place to buy eyeglasses without insurance?

39dollarglasses.com or zenni
I use prescript sunglasses for sailing and other outdoor sports and they are a fraction of the price as long as you have your prescript. Opt. is required to give you a copy.
by WhyNotUs
Sat Aug 30, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2396

Re: Costco:is it worth it for just two people?

We sometimes join every other year or so. I find their tire prices and specials to be worthwhile and tend to join in years that I need tires or some other larger purchase that seems to be at a discount there. For strictly food, I question whether the savings are there for two people. We have a list ...
by WhyNotUs
Sat Aug 30, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 101
Views: 5660

Re: Sports Motivation Waning

[Medical advice removed by admin LadyGeek]
by WhyNotUs
Fri Aug 29, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1611

Re: Poor Janus, a look at this once high flying fund family

Worked out for Tom Bailey, founder of Janus. He sold $1.2B in Janus ownership in 2004 and went into breeding cutting horses on a series of ranches that he bought. I drive by and look at the magnificent improvements that he has made often and it reinforced low cost, passive investing in my mind. He e...
by WhyNotUs
Fri Aug 29, 2014 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 59
Views: 5539

Re: Poll: How many own zero/few stocks?

I own a handful of individual shares of stocks that I ended up with from dividend reinvestment that did not jibe with sales or that allow me to track what could have been. Less than $1,000 all together. The Apple that I sold hurts a bit. Even MSFT perked up after I sold it. If you are still investin...
by WhyNotUs
Fri Aug 29, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2670

Re: Questions for Landlords

The lease should make this clear. If by patching, you mean tiny holes for hanging pictures, then I prefer to fill and use touch up paint to address those as I can do a better job and have the paint. If you mean some sort of hole in the wall, then they either fix it or I deduct cost to fix it from de...
by WhyNotUs
Wed Aug 27, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1440

Re: Agreement Regarding Vacation Property

FWIW, we have shared a sailboat with another family for about 5 years. Plenty of things to argue about and to go wrong there but I hate to see all of those boats that rarely leave the slip. In reality, it has worked out better than I thought so far and the boat actually gets used. It is a little dif...
by WhyNotUs
Mon Aug 25, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Agreement Regarding Vacation Property
Replies: 21
Views: 1522

Re: Backyard Shed

+1 to checking your local zoning code. Here you can go up to 120 sf w/o a permit. Ours is barn-style 8 x 14 and was built by a franchise shed business owned by a Mennonite family. We also have an older 10 x 12 metal Sears shed that will go away in the next few years. It houses by recreation gear- em...
by WhyNotUs
Sun Aug 24, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Backyard Shed
Replies: 21
Views: 1442

Re: Renewing a lease of a(n electric) car with a 'fixed pric

I bought my Leaf without ever visiting the dealer or meeting the salesperson. Paperwork was sent and returned via Fedex. I live farther from the dealership than the charge will allow and had it delivered. I compared deals by looking gat other purchase reports and leases on mynissanleaf.com and felt ...
by WhyNotUs
Sat Aug 23, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Renewing a lease of a(n electric) car with a 'fixed price'
Replies: 8
Views: 698

Re: sanity check of portfolio

Two mysteries: 1.) why someone with your income has an interest only loan (I assume with balloon and interest rate adjustment?) 2.) Why you would spend $400k to remodel that house? The windfall gives you a chance to make a big step forward but it looks like you are looking at taking on another big l...
by WhyNotUs
Sat Aug 23, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: sanity check of portfolio
Replies: 9
Views: 1168

Re: Quicken 2015 for Mac released

I am interested in the mobile app that allows one to photo receipts and attach them to transactions. Anyone tried that yet?
by WhyNotUs
Fri Aug 22, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2015 for Mac released
Replies: 27
Views: 2586

Re: Driving in Costa Rica

I have driven in Panama and Costa Rica, pretty similar experience. Now SE Asia, that is another story.
by WhyNotUs
Fri Aug 22, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1613

Re: Quicken 2015 for Mac released

Yippee, the bar is so low now that it has to be a step up.
by WhyNotUs
Fri Aug 22, 2014 12:18 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2015 for Mac released
Replies: 27
Views: 2586

Re: What to consider while purchasing an existing business?

As previously stated, is $50k for goodwill, fixtures, or both. You need to see the books for the business and if there is a bookkeeper speak with them about the contents. Trust but verify. Then figure out what the business will actually make and how much time your wife will actually be able to provi...
by WhyNotUs
Fri Aug 22, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 48
Views: 3551

Re: Tract Home - Things to Watch During Construction

kcb203 wrote:A couple comments:

I installed the quiet Panasonic bathroom fans in my custom build 5 years ago, but learned later that one primary reason for fans is sound masking, in addition to ventilation.



Contractors call them "fart fans"
by WhyNotUs
Wed Aug 20, 2014 2:55 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3165

Re: Will you have to pay your parent's long term care costs?

If your parents did not transfer wealth to you and then later qualify for medicaid, then this is unlikely to be a reason for concern or even interest. This is about people giving their kids money and then 5 years later asking all of society to pay for their care.
by WhyNotUs
Wed Aug 20, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 3901

Re: Tract Home - Things to Watch During Construction

Understand the foundation plan for dealing with freezing, make sure that it is implemented properly. Understand the roof structure and how it will shed snow and water, make sure that it is implemented properly. are gutters included? Where are they sending water? Understand the grading plan and how i...
by WhyNotUs
Tue Aug 19, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3165

Re: Choosing and paying an executor

Fee is on probated amount. I have been executor a couple times and the fee hardly makes up for the time unless one has done a good job preparing, in which case the fee can be waived or not by the choice of executor. If your accounts are payable on death, life insurance or LI Trust are key assets, ho...
by WhyNotUs
Mon Aug 18, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 866

Re: Verizon to Page Plus - documenting my experience

Thinking about switch to PP. In order to compare apples, can someone with the $12 a month plan tell me what their total monthly charge is with access fees, taxes, and all that other stuff on my cell bill?
by WhyNotUs
Mon Aug 18, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 43
Views: 5233

Re: Smooth perpetual withdrawal from risky assets [endowment

I serve on an endowment committee and we ponder this issue, especially during this period of historically low T-Bill rates. The endowment is modest in Yale terms but meaningful to the organization that relies on the funding. Our charter calls for us to distribute 5% of balance on 12/31 so we need to...
by WhyNotUs
Sun Aug 17, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Smooth perpetual withdrawal from risky assets [endowment fd]
Replies: 93
Views: 7221

Re: Flipping Houses

I have invested in some properties, never with intention to flip although I did unintentionally flip one due to opportunity. Flipping is largely promoted by people selling something- "The Secret to..." "The Magic of...", etc. A successful flipper has an astute understanding of th...
by WhyNotUs
Sat Aug 16, 2014 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Flipping Houses
Replies: 5
Views: 787

Re: Lifestyle Creep

We try to be very value conscious on anything that will have ongoing expenses and use any excess revenue for travel. Plan to do the same when we hit retirement age.
by WhyNotUs
Fri Aug 15, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2647

Re: Medical Alert System

My mom found an ad in AARP magazine that started a conversation about this. I did a little web research about the call center (how big, in US, training for operators), equipment (waterproof necklace/bracelet and main station whether it connects to land line or cell phone), and charges. This was abou...
by WhyNotUs
Fri Aug 15, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Medical Alert System
Replies: 19
Views: 903

Re: Rent vs Sell

I've realized that I prefer to rent and not deal with property upkeep. I If this is genuine and you believe in aligning your feelings with choices, then you have answered your own question. Sell, invest, rent, bike. If you don't like up keeping for yourself, then you probably will really dislike do...
by WhyNotUs
Fri Aug 15, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent vs Sell
Replies: 4
Views: 853

Re: Best Place to Do Research on Orthopedic Surgeons

I waited many years and managed my rotator cuff injuries using PT and a book called Treat Your Own Rotator Cuff. Too many stupid human tricks and a final flight over the handle bars sent me to the top shoulder surgeon around. Our area is small enough that everyone know who the shoulder guy is. I had...
by WhyNotUs
Thu Aug 14, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 1715

Re: Where do you buy clothes?

If LL Bean doesn't have it, I don't need it :happy +1, I occasionally buy other stuff but most of the things that I end up wearing day in and day out are sale items from LLBean. They have a great selection of tall items that are essential for me. Big and Tall clothes without the price from one of t...
by WhyNotUs
Thu Aug 14, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9109

Re: tipping a house painter?

I used to do beer but the number of recovering workers increased in a manner that made me concerned. I now host a BBQ on the day after CO for crew.
by WhyNotUs
Thu Aug 14, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: tipping a house painter?
Replies: 13
Views: 1391

Re: Motorcycle for short commute?

A motorcycle won't solve your sweating issue, probably make it worse if you dress for safety. You could take a motorcycle safety class to see if you like it. I have a motorcycle license but do not have a bike at this time as I did not like having to be on guard all of the time. A scooter could work ...
by WhyNotUs
Tue Aug 12, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3700

Re: Convince me I can make a dumb (car-related) purchase

A mid-80's Porsche 911 Cabriolet can be had for high 20's and are sweet cars for those sunny days in life. Unfortunately, cars have a pretty short pleasure cycle by design if you buy into the mindset. Always a new model with a new feature that makes your model less attractive. You have the cash, per...
by WhyNotUs
Tue Aug 12, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4250

Re: Winery to visit in North Willamette (OR)/McMinnville are

Carlton Winemakers Studio, we got there late in the day and I wished I had more time to spend. http://www.winemakersstudio.com I really liked Ken Wright's wine http://www.kenwrightcellars.com/events.shtml Pay tribute to Pinot pioneer http://www.eyrievineyards.com/journal/?page_id=4 We stayed at a ni...
by WhyNotUs
Mon Aug 11, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 19
Views: 1780

Re: Renting forever: financial suicide?

The SF market is very tough, high rents, low vacancy, and very high sales prices. There is no one right answer as a lot of it depends on unknowables about the future- future sales prices, future rents, future interest rates, future jobs, and your family plans. Renting is not financial suicide. It is...
by WhyNotUs
Mon Aug 11, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10860

Re: What Book Are You Currently Reading? Part V

Just finished Sarah Vowell's Assassination Vacation, just started Charles Mann's 1491.
by WhyNotUs
Sun Aug 10, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3267
Views: 1114411

Re: Roof replacement

regular asphalt three tabs are not a good value unless you are disposing of the property. So much of the job is labor, spending for long wear shingles adds value. I used Owens Corning HP Weatherguard for my house and have used ELK and OC on other jobs so cannot speak to CT or Atlas). Minimum 12 year...
by WhyNotUs
Fri Aug 08, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Roof replacement
Replies: 13
Views: 1153

Re: Home Siding Options

+1 Hardie, have it, like it
Also, there are higher end asphalt shingles that are designed to do better with hail. I have HP Weatherguard
by WhyNotUs
Fri Aug 08, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Home Siding Options
Replies: 14
Views: 1022

Re: What to tell friends who think "it's all a scam"

nisiprius wrote:Tell him "It's only partly a scam."

If he says "Why should I put money into anything that's partly a scam," tell him "Because it's an imperfect world and it's the best you can do."


+1, this represents my view
by WhyNotUs
Tue Aug 05, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 5694

Re: Buying land and building house

There are so many issues and likely so many more that I'm unfamiliar with, such as... - Zoning limitations, varying by town - Grading/clearing land for home, driveway - Well/septic construction - Finding a contractor to build the house (I'm completely incapable of any aspect of this.) (Even thought...
by WhyNotUs
Tue Aug 05, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying land and building house
Replies: 22
Views: 2510

Re: Any other travel freaks?

If you feel really adventurous, try flying the Russian Octavia's from Cancun to Havana.
Prayers from childhood suddenly are remembered.
Not that I am advocating or have done it since I am an american citizen and it is verboten :-)
by WhyNotUs
Sat Aug 02, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 8794

Re: Advice on Short Sale

I would wait until you get it under contract and have inspection. You are currently under contract with owner not the bank. They have to approve the deal and anything that upsets the apple cart at this point may send you back to square one. Providing them with logical, independent information once t...
by WhyNotUs
Fri Aug 01, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Short Sale
Replies: 3
Views: 386

Re: Can't decide final New Construction Option for Master Ba

If you want a bigger window and the only way to get it is option two, then I would do that. $2500 would seem very cheap if you had to go back in later to add a tub and window. IS there nearby storage for linens or room for free standing unit? If $350k is in the upper 30% of your market, a master wit...
by WhyNotUs
Fri Aug 01, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 983

Re: Landlording for long-term wealth? Who's doing it?

HeadHunter wrote:Like someone above, I like that in our household we bring in wages, rent, interest and profit. I feel like we have good diversification.


Shrinking SWR could also make rental property a more interesting retirement income for some.
by WhyNotUs
Fri Aug 01, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7415

Re: Landlording for long-term wealth? Who's doing it?

I can't give away 8% on a single property to a manager but would do it on an apartment complex. You should be accounting for that money either way, after all you don't work for free do you? I account for it in the sense that it is a commitment that I need to make in order to be a landlord. There ar...
by WhyNotUs
Thu Jul 31, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7415

Re: Foreclosure Rumor - Advice on How to Find More Info

County treasurer would be involved in a foreclosure and they will have record of owner/lender and state of foreclosure. May be online. There are many steps to a foreclosure and they vary by state. You would need to familiarize yourself with the process as there can be a good deal of time between ini...
by WhyNotUs
Wed Jul 30, 2014 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Foreclosure Rumor - Advice on How to Find More Info
Replies: 4
Views: 1041

Re: Landlording for long-term wealth? Who's doing it?

The cash flow wasn't really a concern, it doesn't much matter to me whether the money is in the house as equity or in my bank account. Also note my down payment was less than 20%. Would you buy the house as described with a traditional 30 year fixed mortgage as an investment? It would look reasonab...
by WhyNotUs
Wed Jul 30, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7415

Re: Landlording for long-term wealth? Who's doing it?

I bought a $187k home last year, with $27k down and financed $160k for 12 years at 3.25%. We then put about $6k into it in the form of repairs and upgrades. It rented in August for $1250 per month. We pay a management company $100 per month. We've paid about $250 in small repairs and $1500 to take ...
by WhyNotUs
Wed Jul 30, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7415

Re: Solar Farm, anybody buy in?

In our case, you can take the solar credits with you if you move within utility service area or sell them. I wish our utility would build the solar farm, instead they are providing financial support to the private company building it in order to meet state renewable energy standard. I think that is ...
by WhyNotUs
Wed Jul 30, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Solar Farm, anybody buy in?
Replies: 53
Views: 3693

Re: Solar Farm, anybody buy in?

FWIW, an equalized method for comparison of panels is $ per watt. The local price here is $2.75 per watt after all credits/rebates. Absent credits/rebates it would be $5.70 per watt. As a reference, my on-site system from 2007 was $9 per watt. I knew that it would not pencil but chose to do it anywa...
by WhyNotUs
Wed Jul 30, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Solar Farm, anybody buy in?
Replies: 53
Views: 3693

Re: Solar Farm, anybody buy in?

I bought some panels at a solar garden a few years ago and also have some at my house. The off-site panels were about the cost you were cited. However, now it is $838 per panel at their next project. 305 watt panels. The nice thing about the farm is that they site them in places with optimal solar a...
by WhyNotUs
Wed Jul 30, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Solar Farm, anybody buy in?
Replies: 53
Views: 3693
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