Search found 597 matches

by WhyNotUs
Wed Sep 02, 2015 7:47 am
Forum: Personal Consumer Issues
Topic: Evaluate Proposal on Installation of Solar Panels
Replies: 11
Views: 889

Re: Evaluate Proposal on Installation of Solar Panels

What other benchmarks?

Where are people getting Sunpower panels, inverter and install for less than net $1.60 watt?
by WhyNotUs
Tue Sep 01, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Evaluate Proposal on Installation of Solar Panels
Replies: 11
Views: 889

Re: Evaluate Proposal on Installation of Solar Panels

The assumption of 4.3% linear utility rate increases makes the numbers look good. That may happen, may not. Linear projections are interesting but life rarely works that way. I would view those numbers with skepticism. Regardless, at the end of the day your net cost is $1.52 per watt in the higher f...
by WhyNotUs
Tue Sep 01, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: About to close on a home we have overbid on - have cold feet
Replies: 73
Views: 8644

Re: About to close on a home we have overbid on - have cold feet

With your investable assets and Green Card issue, building a home in the closest nearby rural or non-thriving county might be a twofer. Creating 10 jobs, even construction jobs equals a green card.

http://www.uscis.gov/green-card/green-c ... investment
by WhyNotUs
Mon Aug 31, 2015 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: About to close on a home we have overbid on - have cold feet
Replies: 73
Views: 8644

Re: About to close on a home we have overbid on - have cold feet

A $2m+ house offer with no contingencies sounds like a $60k lesson in real estate. That was a very serious commitment that you made, to me it was foolish but your life experiences are likely different than mine (lots of experience in RE). It does not seem that the seller has done anything other than...
by WhyNotUs
Sun Aug 30, 2015 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fractional Ownership [Property]
Replies: 24
Views: 1716

Re: Fractional Ownership [Property]

I have worked professionally on the product but not owned a share as I am not the target market. The higher end of fractional market is competitive for people would would otherwise be buying a property in the area. That is the scenario in which it makes the most sense- a person who is dedicated to t...
by WhyNotUs
Sat Aug 29, 2015 8:36 am
Forum: Personal Consumer Issues
Topic: Recessed/Pendant Lights: Where to Place for this Kitchen
Replies: 9
Views: 703

Re: Recessed/Pendant Lights: Where to Place for this Kitchen

A couple thoughts: it sounds like this is a remodel. If so put a shop light on an extension cord and have a designated holder place it in selected locations while you and any other decision-maker look at the results. It can be a reasonable proxy for a recessed can if you do not want to pay for a pro...
by WhyNotUs
Thu Aug 27, 2015 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Real Estate - 2nd property
Replies: 14
Views: 1771

Re: Real Estate - 2nd property

The terms of closing are set in your offer, place a condition on the offer requiring closing documents X days prior to closing. Not sure what you mean by closing costs but there is a declaration delivered prior to closing. In my state, there is an estimate of closing delivered in advance when contra...
by WhyNotUs
Tue Aug 25, 2015 8:49 am
Forum: Investing - Theory, News & General
Topic: What Investors Are Saying Today
Replies: 1
Views: 321

Re: What Investors Are Saying Today

Algorithms talking to each other.
by WhyNotUs
Thu Aug 13, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Maximizing space in a small house
Replies: 39
Views: 4080

Re: Maximizing space in a small house

1,500 sf 3/2, was family of four with 100 lb dog. Now 2 + guests. 50% larger than the house I grew up in (family of 6) In addition to not buying a bunch of unnecessary stuff, we have really worked the kitchen layout to optimize counter space and cabinet space. It took a little tweaking after the fir...
by WhyNotUs
Wed Aug 12, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: Home Addition-Yay or Nay?
Replies: 10
Views: 976

Re: Home Addition-Yay or Nay?

Spend a little of your savings exploring ideas with an architect. Look at addition vs. pop top from cost and practicalities (i.e. where you family will be living and how during construction). Might be easier to extend a gable roof for master than pop top. Get a concept drawing and test it for planni...
by WhyNotUs
Wed Aug 12, 2015 7:52 am
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2129

Re: Architectural Shingles VS Metal Roof

I have OC Weatherguard HP roof. I live in an area that was traditionally cedar shakes and wanted some of that look while reducing fire danger. It is supposedly lifetime but we will see. My location has high winds and it has performed very well. There are metal roofing materials that I like the look ...
by WhyNotUs
Sat Aug 08, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting and time off
Replies: 10
Views: 964

Re: Independent Contracting and time off

I take 6-8 weeks a year off and am self-employed.
Extended trips are my normal use of the time although I have also done things of a spiritual retreat nature a few times. I tend to go someplace and try to really get to know it.
by WhyNotUs
Sat Aug 08, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Quarterly Self Employment
Replies: 13
Views: 952

Re: Paying Quarterly Self Employment

You have a few different things going on. Your SEP IRA investments are not deducted on Schedule C. My short answer is to pay quarterlies as if you are going to make $5k unless you know your business deductions. You will have a quarterly due in April 2016 and if you overpaid instead of a refund it ca...
by WhyNotUs
Sat Aug 08, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 118
Views: 7041

Re: College Admission Time, What parents need to be aware and how to be helpful

My inputs to daughters were: 1.) we need to visit school/community in person to see if you can thrive in that environment before acceptance 2.) I will pay cost of in-state tuition/room and board. Anything beyond that you will need to help figure out 3.) Need to calculate costs with annual increases,...
by WhyNotUs
Fri Aug 07, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Comcast Offers-whats the catch?
Replies: 26
Views: 2407

Re: Comcast Offers-whats the catch?

I tried to sign up for Comcast Internet. Did not have a cable to my house so it required an install and required me to be there. Three scheduled and confirmed appointments were no shows in May, June, and July. I followed each with a call to customer service, bounced around and assured they would mak...
by WhyNotUs
Fri Aug 07, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Short Sale or Not?
Replies: 9
Views: 838

Re: Short Sale or Not?

I know it was my stupidity but form past 10 years, I've been making interest only payments and plus occasionally I've been paying the the principle which brought down the loan to about 230k. I see your perspective and would suggest that, as someone involved in real estate from time to time personal...
by WhyNotUs
Thu Aug 06, 2015 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Short Sale or Not?
Replies: 9
Views: 838

Re: Short Sale or Not?

I own two homes. One is a rental that I am upside down on The rental has a negative cash flow and is about to get more expensive My history with renters has been poor I have had unexpected costly repairs Therefore I would like to sell the place at a loss to my lender and buy a duplex. ((I did not se...
by WhyNotUs
Thu Aug 06, 2015 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Company Property Inspection Notice
Replies: 11
Views: 981

Re: Insurance Company Property Inspection Notice

Perhaps not common but it happens. I had one once with a previous insurance company. Never even spoke with the guy. He drove by, stopped and took a couple photos and left.
by WhyNotUs
Thu Aug 06, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 6381

Re: Aloha Shirt: Yes or No

+1 for thrift store shopping. A friend has made a hobby of collecting them at thrift stores and has quite the low budget collection, even some rarities such as shirts from the 50's for cents on the dollar.

Costco in Maui had them for $20 a few months ago. Cotton with nice patterns suitable for work.
by WhyNotUs
Tue Aug 04, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 6381

Re: Aloha Shirt: Yes or No

Yes and often. Aloha is a state of mind that started for me at 15, no need to wait for middle age.
+1 for buying quality with pockets and buttons aligned for wearing in less casual settings.
Life is too short for button downs.
by WhyNotUs
Thu Jul 30, 2015 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home buying question - inspection contingency phase
Replies: 6
Views: 627

Re: Home buying question - inspection contingency phase

The first thing that I would do it write an objection to the inspection before the inspection objection deadline. Then I would ask the seller what they plan to do to resolve the issue. You can share your roofers findings. If they propose to do something, I would accept or counter. I would not expect...
by WhyNotUs
Thu Jul 30, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Appraisal Higher than Accepted Offer Price
Replies: 21
Views: 2023

Re: Appraisal Higher than Accepted Offer Price

It just means that you may have a good deal.

You have taken on a big note, I would not be looking for adding debt. Remember 2009 my friend.
by WhyNotUs
Tue Jul 28, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: Well water did not pass total coliform bacteria
Replies: 13
Views: 1457

Re: Well water did not pass total coliform bacteria

Is your well near a stream or other surface water?
In addition to thinking about UV, I would want to understand the source of bacteria.
by WhyNotUs
Tue Jul 28, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 7082

Re: Divorce

Best advice from my lawyer was to take a day or two and identify what would be most important to me to be whole at the end of the day and that would not harm any other parties involved. He helped me create a short list (three) things that I needed to have addressed in final settlement and why they w...
by WhyNotUs
Mon Jul 27, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: Does a 6.5 kW Solar install make sense?
Replies: 29
Views: 2575

Re: Does a 6.5 kW Solar install make sense?

$1.56 net cost per watt is a great price for Sunpower panels. I have 6 year old Sunpower system and it has outperformed the estimated generation. Adding to my system here would cost net $2.30 per watt. I am looking at some lower efficiency panels to get to your price.
by WhyNotUs
Thu Jul 23, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Home improvement: french drain or dry well?
Replies: 13
Views: 1556

Re: Home improvement: french drain or dry well?

How deep is the clay? If you get down a foot or two or three do you get to cobble? If so, I would go with a dry well. You dig below the clay level, fill with gravel and create a place for water to perc.
by WhyNotUs
Tue Jul 21, 2015 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Hard Money Loans
Replies: 26
Views: 2998

Re: Hard Money Loans

You will find more hard money lenders to contact and get bombarded with interest in loans at biggerpockets.com

I have looking into it but never done it.
by WhyNotUs
Tue Jul 21, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 11205

Re: How do people afford children with a SAHM?

Without knowing what your house is worth it is hard to assess overall position. You definitely are ahead of the game on retirement assets. Can't really compare yourself to people who are living on the edge, effects of that were on display in 2009. As to your question about staying home, 2600 x 12= $...
by WhyNotUs
Sat Jul 18, 2015 8:06 am
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2243

Re: Home landscaping dilemma

If you have a plan that you really like you can put in the watering infrastructure without installing all of the improvements to finish it off. The advantage to a phased approach to me is that you get a chance to live there and see your patterns of use and circulation before locking all of your plan...
by WhyNotUs
Fri Jul 17, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: Home Inspection
Replies: 9
Views: 821

Re: Home Inspection

Even if you can get insurance, it will be an obstacle if you need to sell in the future. Unless I could get this at a price that allowed me to bring the place up to standard, I would pass.
by WhyNotUs
Thu Jul 16, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 82
Views: 11921

Re: The Good the Bad and the Ugly of real estate

Good- I understand houses and there is code upon which most are built (unlike Wall St.) We are in a period of inexpensive loan loan money compared to the last 5 years There is a product- a place for someone to live (unlike many tech investments :happy ) In my professional life I use my head and sit ...
by WhyNotUs
Thu Jul 16, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1845

Re: Music player while exercising

iPod Shuffle was one of the few products that Apple has made that was value-oriented. No wonder they killed it.
Luckily they can still be found on Ebay.
by WhyNotUs
Wed Jul 15, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 4494

Re: Are the more expensive bikes worth paying for?

The Trek 7.3 is an excellent overall recommendation. They will start being marked down for the year soon. When you said expensive bike, I was thinking about something different and would have expressed doubt for a $4,000 bike. This is a good bike at a good price that will probably make you want to b...
by WhyNotUs
Tue Jul 14, 2015 8:56 am
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4724

Re: Builder wants to put a retaining wall on my property

Given the fact that you have not even been asked yet, you have plenty of time to work through a response, if asked. I would sort issues a bit. Retaining wall- a 2-4' retaining wall, particularly on the shorter end, is not that big of a potential liability. The easiest thing to do is to call a compet...
by WhyNotUs
Mon Jul 13, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 5299

Re: VRBO illegal rental

Many popular areas will have a permit or license number that they will issue. You can ask if they have one and then look it up with the local jurisdiction. Some places only require a business license (to make sure they pay taxes), other may not regulate the uses. If it is a resort area, it is more l...
by WhyNotUs
Sat Jul 11, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: A Career in Golf?
Replies: 22
Views: 2529

Re: A Career in Golf?

If the individual gained a degree in gold course management, why wouldn't they give it a try? It would seen odd not to. Courses are closing and some additional clubs are in poor financial health. I would just advise him to not get attached the old way of doing things. Something new needs to emerge i...
by WhyNotUs
Tue Jul 07, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: buying a used leaf to save on transportation costs
Replies: 31
Views: 3263

Re: buying a used leaf to save on transportation costs

I own a 2013 Leaf and did my own math and it works great in my state. The only thing that I would agree with 2tall about is that you can do the math. It is meaningless without including rebates/credits for new vehicles and realistic costs per mile for ongoing operations between an ICE and EV. If buy...
by WhyNotUs
Fri Jul 03, 2015 8:19 am
Forum: Investing - Help with Personal Investments
Topic: My divorce gave me...
Replies: 20
Views: 5495

Re: My divorce gave me...

Your steps seem to be 1.) Identify an asset allocation that you feel comfortable with using diverse, low cost index funds 2.) Move your IRA funds toward that mix 3.) Start moving funds in the taxable toward that based on minimizing taxes The third one could benefit from some professional help if lon...
by WhyNotUs
Thu Jul 02, 2015 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: My divorce gave me...
Replies: 20
Views: 5495

Re: My divorce gave me...

Fido's Spartan Funds and close enough to Vanguard's core funds that you might find it simpler to stay put. I think when I was with them they offered a free consultation. If you read the three fund info in the Wiki, you should be able to discuss the situation with them and tell them your desires and ...
by WhyNotUs
Thu Jul 02, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 22246

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: 45
Views: 5838

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: 45
Views: 8659

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: 53
Views: 5111

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: 190
Views: 16180

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: 5013

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: 552

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: 2665

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: 8399

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: 7238

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...

Go to advanced search