Search found 910 matches

by WhyNotUs
Thu Feb 23, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: S&P at 22 times multiple
Replies: 37
Views: 3836

Re: S&P at 22 times multiple

erik265 wrote: I wonder how long it will take till market reverts back to the mean a sell off must be coming soon i suspect.


We don't know :confused
by WhyNotUs
Mon Feb 20, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 2500

Re: Vietnam

The visa can be dealt with online, there is a little paperwork and I think I needed a photo, instructions online. The visa was at a "will-call" window when we arrived and it added about 10 minutes to the customs process.

I forget what it cost but it was not that big of a deal.
by WhyNotUs
Mon Feb 20, 2017 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Real estate purchase
Replies: 4
Views: 546

Re: Real estate purchase

Where I live one could not find an 80% mortgage on a vacant lot YMMV.

Is the property serviced by water, sewer, utilities, roads or do they need to be extended? These can be a big expense and require high upfront costs. What is your state's tax rate for vacant land? In mine it is 3x developed land.
by WhyNotUs
Sun Feb 19, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: economics of landlording
Replies: 46
Views: 4011

Re: economics of landlording

RE; Having a mortgage on rental

The poster may have been referring to the current year tax benefits for some people of deducting rental mortgage while building equity. That and leverage are the pluses on rental side for some people when the cash flow is not great.
by WhyNotUs
Sun Feb 19, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 36
Views: 3699

Re: Tesla Model X 2 Months Review

Meanwhile my lowly Nissan Leaf nears 40,000 miles and has not lost a bar.

I drove an X that a friend purchased and it was a rocket ship. I had a lot of fun flowing on a curvy road at speeds that I would be embarrassed to repeat. He must have got a Tuesday car.
by WhyNotUs
Sun Feb 19, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: economics of landlording
Replies: 46
Views: 4011

Re: economics of landlording

While there are very real considerations and obligations to being a landlord, I am surprised that posters are sniffing at a 4-5% return when there is also lots of talk about a realistic SWR in the future being 3% or that 4% is overly optimistic. I would keep it until I found something that was bette...
by WhyNotUs
Sat Feb 18, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 2500

Re: Vietnam

I thought the war remnants museum was so over the top that it diminished its value somewhat, YMMV. Still it is an important reminder and going there paid respect for our role in the American War. My brother served and died young from Hep C contracted during the war. On full moons in Hoi An, they tur...
by WhyNotUs
Fri Feb 17, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 2500

Re: Vietnam

Suggestions • Bring an extra memory card. I have never taken so many photos in my life. Been to six continents and never been a more photogenic place- people, landscape, physical environment. All spectacular • I learned enough to get by in the north but did not get to use too much in the south, even...
by WhyNotUs
Thu Feb 16, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1065

Re: Visiting Downtown Denver in late March without car.

What time of the year? That would affect advice. I will assume during winter/early spring. Summer offers more options. Carless outings with you and kids- the amenities in downtown that are convenient and interesting are better suited for adults that a 2 and 4 year old IMO. There are things to do but...
by WhyNotUs
Wed Feb 15, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: Contractors Estimates (accessory dwelling unit). What should we look for?
Replies: 12
Views: 1103

Re: Contractors Estimates (accessory dwelling unit). What should we look for?

We are bidding 3 contractors that were referred to us. What should we look for in their estimates? Lump sum or do they separate materials from labor costs? What questions should we ask? The only contractor we have ever used was our family friend who is completely honest and charges extremely fair. ...
by WhyNotUs
Tue Feb 14, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Private home sale (without agents): Where to start with price?
Replies: 34
Views: 1742

Re: Private home sale (without agents): Where to start with price?

unaffiliated appraisal is the way to go, split cost 50/50
by WhyNotUs
Mon Feb 13, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 4641

Re: Which luxury auto brand depreciates the most?

My guess would be Land Rover, after three years they seem to drastically less. If you are married to a Land Rover/Range Rover mechanic they might even be a good deal.
by WhyNotUs
Sun Feb 12, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing a foundation's endowment
Replies: 15
Views: 1193

Re: Investing a foundation's endowment

FWIW, I was thinking more about using the free VG CFP to fill out the investment plan for the foundation. You would give them your Investment policy and they would bring recommended investments that meet those requirements and some suggested mixes. The group would work together to refine the final m...
by WhyNotUs
Sun Feb 12, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 58
Views: 3919

Re: Kitchen cabinets

Dated is a concept created by cabinet sales interests and decorators to make perfectly good items seem like they need replaced. Changing hardware is a fun way to resist.
by WhyNotUs
Fri Feb 10, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Investing a foundation's endowment
Replies: 15
Views: 1193

Re: Investing a foundation's endowment

Congratulations, it must be a very exciting time for everyone involved. A deep breath and some building blocks are in order before getting to asset allocation. Maybe you have already done some of this... First, the endowment will need some organization, who will serve as directors of the endowment, ...
by WhyNotUs
Fri Feb 10, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6018

Re: Terrible negotiation - need help with words to use [Buying a car]

Is there something wrong with the internet price that was offered? You seem to have found the car that you want, the price seems in line with Consumer Reports' "The best value is the 2.5i Premium, which can get you a well-equipped all-wheel-drive wagon for about $28,000." Maybe you are rea...
by WhyNotUs
Wed Feb 08, 2017 9:30 pm
Forum: Investing - Theory, News & General
Topic: Beat the market long-term? Yes, it can be done.
Replies: 133
Views: 1935

Re: Hard to Believe [Vanguard insights on VG Active funds beating market]

I don't know Svensk Anda either but I do know that a headline and lede summarize the point of an article. That is both good rhetoric and a recognition of how people read. The editors job is to make sure those two things provide that summary. If the point is any of the things that others have posted ...
by WhyNotUs
Wed Feb 08, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a soon-to-be MLB draftee
Replies: 68
Views: 9623

Re: Advice for a soon-to-be MLB draftee

Given the risk aversion, they really need to get in front of this. Unless someone has articulated their goals, understands and embraces the risks to achieve those goals it will be hard for them to feel confident staying the course when the inevitable decline comes.
by WhyNotUs
Tue Feb 07, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Beat the market long-term? Yes, it can be done.
Replies: 133
Views: 1935

Hard to Believe [Vanguard insights on VG Active funds beating market]

That this was the opening to an article from Vanguard: Beat the market long-term? Yes, it can be done. FEBRUARY 07, 2017 The idea of beating the market is alluring, but choosing the right active fund can feel like a coin toss. In fact, the zero sum theory would suggest the probabilities are very sim...
by WhyNotUs
Tue Feb 07, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2479

Re: Napa/Sonoma Recommendations

+ 1 Healdsburg
nice walkable town with tasting rooms near plaza
by WhyNotUs
Fri Feb 03, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing 4 Family House for Rental Income
Replies: 34
Views: 2259

Re: Purchasing 4 Family House for Rental Income

Investment property deals that I have been involved in require 25% down. Setting up the LLC or whatever form of ownership that you are using is critical, one or more of you is likely to get divorced, or sick, or just tired of it, and there needs to be a clean exit process that is fair for all, assig...
by WhyNotUs
Thu Feb 02, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: Most of College Endowments Lost Money in 2016
Replies: 10
Views: 1779

Re: Most of College Endowments Lost Money in 2016

Hmm, I think your probability example is apples and oranges here. There are a lot more moving parts than the coin toss. "I believe the same probability applies to trying to beat the market. If you want to try to beat the market, the only time you will ever beat the market is your initial invest...
by WhyNotUs
Tue Jan 31, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Donating an old car
Replies: 26
Views: 1591

Re: Donating an old car

Gave one to local public radio. There was an online form to fill out, signed title, tow truck took it away, got a letter in the mail for tax purposes. Wasn't a big deal.

You could start by looking at websites for charities that you support, many will have link to donate.
by WhyNotUs
Mon Jan 30, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to maximize redemption of Chase Sapphire points?
Replies: 16
Views: 2604

Re: Best way to maximize redemption of Chase Sapphire points?

Maybe optimize rather than maximize. From what I understand Valentine Day is just a couple weeks away and you haven't taken a trip in a year, I bet that wonderful partner and you could burn through 90,000 UR points at a hotel/spa with no worries on the weekend before VD with a fancy package that you...
by WhyNotUs
Sun Jan 29, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 3389

Re: Possbile career moves without college degree

Grocery store manager- people, inventory management, relatively solid field, lots of mobility, chance for six figures, good training programs
by WhyNotUs
Sun Jan 29, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 5181

Re: Please tell me if I can afford this Porsche

I don't know a rule of thumb for value of a car to income. In addition to the cost of car, you will have a big sales tax, big annual registration, and big insurance. When I was in my 20's I loved speed and raced cars so that impacted my choices. Now I worry about our impact on the climate and drive ...
by WhyNotUs
Sun Jan 29, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 466
Views: 111509

Re: Share your net worth progression

early 20's- Zero traveling, surf, sail, ski, study Late 20's- Start saving and gambling during a market run up, invincible until Oct 1987, then zero early 30's- working like crazy, parenting, saving, investing too conservatively, bought a cheap house in a solid market, low six figures late 30's- bus...
by WhyNotUs
Sun Jan 29, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 5181

Re: Please tell me if I can afford this Porsche

It would be pretty hard for me to go that far and not get a 911. They also have good resale value so look at total cost of ownership. Porsche's are a luxury but assuming you live on paved streets and take car of it, you might come out okay. I drove a 914-6 and 911 (used) and sold both for a good per...
by WhyNotUs
Sun Jan 29, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 5981

Re: where to retire?

South Padre Island Texas. no state taxes on pension, good climate, on water, air service is decent within an hour, not on the common hurricane track, but it is still in TX :-) Destin FL, no tax on pension income, beach town, Ft Walton Airport nearby, good climate, summers are not cray hot/humid, occ...
by WhyNotUs
Sat Jan 28, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Investment property to help my family?
Replies: 23
Views: 1667

Re: Investment property to help my family?

If you think $550 is the right payment, then the whole project is built on a bad foundation. Hard to see happy ending.
As someone who has owned several rentals, that is just not reality.
by WhyNotUs
Sat Jan 28, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6679

Re: Best CC for Travel

Depends what airline she will be flying on. If she will use lots of different airlines, the CSR could be a good fit. Where I live, I almost have to fly United so the Chase Mileage Plus card is good. Study the travel benefits if you are paying an annual fee- trip interruption, primary car rental insu...
by WhyNotUs
Sat Jan 28, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Investment property to help my family?
Replies: 23
Views: 1667

Re: Investment property to help my family?

Do you have an extra $27k laying around (DP + Reno)? You could buy the house as an investment property and rent it to him for below market, maybe $900 a month until he gets his credit in order. You will still have taxes, insurance, upkeep, etc. You could give him right of first refusal for three yea...
by WhyNotUs
Sat Jan 28, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Need help with 3 rental properties I'm looking to purchase
Replies: 35
Views: 3089

Re: Need help with 3 rental properties I'm looking to purchase

You are wise to ask these questions now and it gives you opportunity to make some informed choices. 1.) Find a competent CPA and have a meeting to set this up right from the start. Issues to discuss possible advantages to having an LLC own the property (your lender would need to be okay with that), ...
by WhyNotUs
Fri Jan 27, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate Investing
Replies: 2
Views: 403

Re: Real Estate Investing

I stuck my toe in to P2P and pulled it back out pretty quickly. It is too new and lacks all of the regulation and transparency to assess the level of risk accurately so I cannot justify the reward. I have done a little hard money lending in the past, which at least allows one to look someone in the ...
by WhyNotUs
Fri Jan 27, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 3861

Re: Verizon to Cricket or StraightTalk

+1 for Page Plus, it is the VZ network. $29 plan works for me
by WhyNotUs
Fri Jan 27, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 17
Views: 1203

Re: Best courses and books on negotiation

George Siedel of U of M (Go Bucks) has a solid course on coursera and good book Negotiating for Success.
by WhyNotUs
Wed Jan 25, 2017 11:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7340

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Fair winds Captain
by WhyNotUs
Wed Jan 25, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7500

Re: Carribean island most like Hawaii

What makes one have to be careful in St. Lucia? Safety generally or safety in regards to hiking specifically? I think you mean the former but just want to be sure... Yes, the former. As a sailor I keep an eye on activities in the Caribbean islands through cruiser reports and the reports have turned...
by WhyNotUs
Tue Jan 24, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7500

Re: Carribean island most like Hawaii

The carribbean is a poor substitute for Hawaii. Plan to be disappointed. Hmm, I am #1 fan of Hawaii and used to live there. Having said that, there are nice places in the Caribbean. US VI, St Johns could be a good pick at Concordia for instance http://www.concordiaeco-resort.com/ St. Lucia is great...
by WhyNotUs
Tue Jan 24, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 23
Views: 2185

Re: Electric Bicycles

Wow, the Radwagon looks pretty good to me. I have an idea for a cross-country trip using pedal assist. The 350 lb load on this bike suggests that I need to do more research on it. I like the variety of pedal assist options and available carriers. Not so happy with weight and the lack of quick releas...
by WhyNotUs
Sun Jan 22, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Roto-molded cooler suggestions, like Yeti
Replies: 20
Views: 1973

Re: Roto-molded cooler suggestions, like Yeti

Or you could buy 20 Coleman Extremes, which have excellent insulation. Mine was $30
http://www.beyondthetent.com/yeti-coole ... n-extreme/
by WhyNotUs
Fri Jan 20, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2131

Re: Miami -Florida Keys visit - Late January- Suggestions

I would look at a couple scenarios: 1.) Key Largo and the Everglades- good hiking trails at Everglades and places to stay in KL that give you a taste of the Keys and access to seafood. There are happy hour options on the bayside for sunset and good fish restaurants on the main drag. The traffic in t...
by WhyNotUs
Tue Jan 17, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 73
Views: 5308

Re: Vanguard vs. Fidelity [Customer Service Reputation]

I just transferred 50% of my IRA from Vanguard to Fidelity, to take advantage of Fidelity's cash bonus offer. It's just been a few days, but already I am impressed with the increased amount of communication from Fidelity compared to what I get from Vanguard. Does Fidelity have a better reputation f...
by WhyNotUs
Mon Jan 16, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Value of House in Planning for Retirement
Replies: 46
Views: 3275

Re: Value of House in Planning for Retirement

Another way to frame the question: if one can be relatively certain of a large infusion of cash at the very beginning of retirement (in this case, from the sale of a house), how does this affect one's investment choices leading up to retirement? Thanks....this is a great forum. Many people have thi...
by WhyNotUs
Fri Jan 13, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Let's say you are dying this year
Replies: 46
Views: 6865

Re: Let's say you are dying this year

When I settled my brothers estate I was able to transfer his 1,000,000 miles to his daughter. Took a phone call and death certificate.
by WhyNotUs
Thu Jan 12, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2662

Re: Home heating options

I would prefer propane over oil if those were my choices. There are some very efficient gas boilers that could be plumbed or paired with solar thermal that can run off of propane. The price difference in purchasing what you need in summer is significant around here. In general, building new gives yo...
by WhyNotUs
Wed Jan 11, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 2739

Re: Trip to Kona, Hawaii - Suggestions

Very good night diving. Rays

Waimea (Kamuela) is a great town and also Hawi at the northernmost tip of island.

Hapuna Beach is a fave.
by WhyNotUs
Sun Jan 08, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Considering the services of a CFP
Replies: 36
Views: 2328

Re: Considering the services of a CFP

1%, no way. Those agreements are great for the retirement plan of advisors not clients. I don't think such agreements will exist in the future as they are so one-sided.
by WhyNotUs
Sat Jan 07, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Diversication [into real estate]
Replies: 17
Views: 1052

Re: Diversication [into real estate]

There are people who tilt to real estate with a REIT. When interest rates dropped I carried one for a while as I moved toward simplification but am less enthusiastic during a period of rising rates and am now happy with Total Stock Market. For me, trying to find an extra 1% in hypothetical return by...
by WhyNotUs
Sat Jan 07, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Settlement Advice
Replies: 19
Views: 1186

Re: Auto Insurance Settlement Advice

Not sure how much a few thousand dollars means in your life, but for me I would be choosing between moving on and keeping the situation alive until I was sure that my wife did not need any further treatment. Unless there is something more to the story, then there just does not seem to be a lot of pa...

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