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Re: What evidence would prove the Boglehead mentality wrong?

A scenario in which indexes became an overwhelming majority of the market and thus there was no stock price "punishment" for poorly performing companies.
by WhyNotUs
Tue Sep 16, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 23
Views: 864

Re: Air Purifier for Allergies

We bought a Winix 5300 HEPA system for dander control, it has made a difference. The HEPA filter lasted just about a year and the first stage filters get filled up quickly. It ends up being about $50 per year for consumables.
by WhyNotUs
Tue Sep 16, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 2
Views: 140

Re: Tiny house movement.

Would you raise 3-4 kids in a small 500 square feet home? It is a dream of mine to be able to reduce expenses to almost nothing. I'm talking about buying an acre of land somewhere less than 30 minutes from a metroplex where all the jobs are at, with water and electricity already available for use. ...
by WhyNotUs
Mon Sep 15, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 48
Views: 2595

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Loas, if you liked Thailand way back when you will like Laos.
by WhyNotUs
Sat Sep 13, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5394

Re: Visit to SFO Area - Dining

"Deem sum" at Yank Sing is something I forgot to mention. They wheel around carts filled with Chinese delicacies you've no doubt never heard of. Yank Sing might be a little stuffy for the boy to be able to react when the basket with two chicken feet arrives. Would need to go to Chinatown ...
by WhyNotUs
Thu Sep 11, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Visit to SFO Area - Dining
Replies: 14
Views: 1003

Re: Remove Cigarette Smoke Smell from House?

+1 Ozone generator shock treatment. It works
by WhyNotUs
Tue Sep 09, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Remove Cigarette Smoke Smell from House?
Replies: 20
Views: 1399

Re: How do you keep your electricity bill low?

Not sure if the OP is still around but So Cal Ed was an early adopter of energy audits and you can start by getting one. Not sure how they do it there, but here they start with reviewing your usage over several years, ask about appliances and fixtures and new demand such as your Volt. Sometimes you ...
by WhyNotUs
Sun Sep 07, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9093

Re: The Great Courses.com

I used a couple for refreshers on stats and probability when I realized I needed it. I was able to navigate to the information that I needed pretty easily and having the video was very useful. As someone else noted, these are professionally produced so sound and visuals are clear, not always the cas...
by WhyNotUs
Sun Sep 07, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2188

Re: Drawing down a windfall...

Are you a serial entrepreneur or lottery winner? There are serial entrepreneurs who can envision/copy ideas, bring them to market, develop the market, and sell as soon as the market is emergent and move on to the next challenge with a big pocket of change. It can range from new products to multi-lev...
by WhyNotUs
Sun Sep 07, 2014 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4061

Re: Think like a rich person

I have enough, I have family and friends, wife and I love each other. I am rich.
by WhyNotUs
Sat Sep 06, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Helping someone] think like a rich person
Replies: 40
Views: 4122

Re: Consulting: Sole Prop vs Employees: 401k and other issue

IRS publication, some states will have supplemental rules. http://www.irs.gov/pub/irs-pdf/p15a.pdf Not an IRS expert and have never been audited, YMMV. I have had years when I only had one client and was independent contractor. However, I have 25 years of Schedule Cs and many, many clients. In gener...
by WhyNotUs
Sat Sep 06, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting: Sole Prop vs Employees: 401k and other issues
Replies: 6
Views: 429

Re: Budget breakers

Insurance costs and medical costs are beyond one's control.
Do not seek perfection, rather saving, loving, and living.
Focus on ends- feeling of security, ability to share, aligning expenditures with values rather than means.
by WhyNotUs
Sat Sep 06, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Budget breakers
Replies: 37
Views: 2760

Re: Lawnmower/gas issues

I was having trouble with my engine on sailboat until I went ethanol-free. Now using it in my boat, snow thrower and mower
For a list of locations to purchase ethanol free gas, go to:

http://pure-gas.org
by WhyNotUs
Sat Sep 06, 2014 1:47 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2012

Re: relo property and "illegal" partially finished basement

Given your circumstances, it might be wise to get an experienced local contractor, who understands local building code and knows local building official, over there ASAP and to prepare a bid for nothing more than making it code compliant. I would not add one penny of extras. The repo company needs a...
by WhyNotUs
Fri Sep 05, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: relo property and "illegal" partially finished basement
Replies: 23
Views: 1283

Re: How much does your home *really* cost?

The original question applies to people who are through working but not those of us still toiling away. Yes, nomads can live cheaper than homeowners. If you do not need a tether for income, then it comes down to a lifestyle choice. I like to sail and meet lots of cruisers who are living on their boa...
by WhyNotUs
Thu Sep 04, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: How much does your home *really* cost?
Replies: 23
Views: 4182

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

nisiprius There is strong science on human behavior, once someone believes something it literally may not matter if you show them very specific data that they are wrong and in most cases they basically ignore it. They will even interpret tables and charts incorrectly. FWIW I believe nothing anyone ...
by WhyNotUs
Tue Sep 02, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7273

Re: Best tax return software for freelancer?

Self-employed all of adult life and use Turbo Tax. It is pretty straight forward and has links to explanations and examples of line items. My Schedule C is not particularly complicated and I play it pretty straight on deducts so I have never had any problems. I am sure that the others are about the ...
by WhyNotUs
Tue Sep 02, 2014 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Best tax return software for freelancer?
Replies: 14
Views: 1186

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: 42
Views: 3643

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: 1132

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: 2504

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: 135
Views: 10060

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: 1659

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: 72
Views: 7273

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: 2740

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: 1494

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: 1535

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: 1476

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: 710

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 - thanks and part 2
Replies: 10
Views: 1440

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: 2787

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: 1663

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: 2787

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: 3657

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: 3232

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: 4003

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: 3232

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: 870

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: 44
Views: 5566

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: 7631

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: 791

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: 2663

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: 908

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: 858

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: 1726

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: 9223

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: 1398

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: 3750

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: 4321

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: 1784
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