Search found 872 matches

by WhyNotUs
Tue Jan 24, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 43
Views: 3834

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: 22
Views: 1745

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: 19
Views: 1719

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: 2028

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: 4911

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: 3085

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: 6594

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: 2527

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: 2609

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: 2173

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: 1006

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: 1107

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...
by WhyNotUs
Fri Jan 06, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 42
Views: 2434

Re: Tell me all about snowblowers

24" Troy Bilt two-stages from Lowes is on its 10th year. Makes a trip to the small engine repair shop once in a while but works great. I like the electric start too.
by WhyNotUs
Thu Jan 05, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 219
Views: 21972

Re: Retreat to cash

Indexes around 10 AM EST today, at the approx. time of sale: Dow: 19,900 S&P: 2260 NAS: 5441 VTI: 116.34 I want to watch the first 2 quarters of 2017 to see the impact of political changes. Should there be a significant market drop, I'll watch for a cross in the moving average (I like a 100 day...
by WhyNotUs
Wed Jan 04, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance rental property? - UPDATE - Selling a rental
Replies: 17
Views: 1709

Re: Refinance rental property? - UPDATE - Selling a rental

1.) What is your specific plan for pricing and marketing my property to sell in a reasonable amount of time? 2.) What comparables sales are you using to suggest a price? 3.) What are your sales in this area in the last year- price and address? 4.) What do you offer that distinguishes your services f...
by WhyNotUs
Tue Jan 03, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Is it market timing , Greed or Prudence ???
Replies: 10
Views: 1314

Re: Is it market timing , Greed or Prudence ???

I would start with some basic assessment of my situation (based on the limited info provided): 1.) I am 46 and have a net worth over $2.5M 2.) I have $0 in tax advantaged retirement accounts even though I am likely to pay lower tax rate after retirement than today 3.) I have $0 in tax advantaged 529...
by WhyNotUs
Tue Jan 03, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 11750

Re: Bogle worried Vanguard is getting too big

I don't make a lot of trades so have not had a lot of issues but VG is a means not an end. Over time we moved everything to VG to simplify our tracking and oversight but could have done it at Fido as well. The edge went to VG due to their corporate structure. The Bogle principles do not include &quo...
by WhyNotUs
Mon Jan 02, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Low Risk Options
Replies: 6
Views: 553

Re: Low Risk Options

1.25% for very low risk is competitive at this moment. To increase risk without feeling anxious, putting together a goal and asset allocation in service of that goal is likely your best course of action. It will take a little time to pull that together but there are lots of books and online tools to...
by WhyNotUs
Sun Jan 01, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Almost made it through another year without breaking a rule- but then, we learned to Scuba
Replies: 31
Views: 2609

Re: Almost made it through another year without breaking a rule- but then, we learned to Scuba

First love Devil's throat. In my case I regularly go under 150 ft. so it just never seemed to make sense. Luckily even diving to that depth I can get in 4 or 5 dives a day on a liveaboard. [/quote] Hmm, I hope your other 4 dives are pretty shallow. Otherwise we are using different dive tables. To t...
by WhyNotUs
Wed Dec 28, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28854

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

My mom was victim of a former roommate and it was really a mess that financially destroyed her. Sounds like you have access to your Mom's credit report and that is a good start for tracking debts. As others have mentioned, a lawyer to change the POA and police for fraud are necessary steps. Sounds l...
by WhyNotUs
Tue Dec 27, 2016 7:17 pm
Forum: Personal Consumer Issues
Topic: Nissan Leaf ?
Replies: 40
Views: 3233

Re: Nissan Leaf ?

hightower wrote:I know this is possible with the BMW i3, but I don't know about the leaf. .


Yes you can do it with a timer or via phone app.
by WhyNotUs
Tue Dec 27, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2160

Re: Best shows to see while in Vegas

We enjoyed Love
by WhyNotUs
Tue Dec 27, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Nissan Leaf ?
Replies: 40
Views: 3233

Re: Nissan Leaf ?

are there any first hand experiences with Nissan Leafs? Does the model year make much difference? How does the "standard" slower charger compare with the faster (and most costly to install) charger? We own a 2013 Leaf. The 2011 and 2012 models did not have a heater that would work well en...
by WhyNotUs
Sat Dec 24, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate - buying my first investment property in Charleston, SC
Replies: 11
Views: 1303

Re: Real Estate - buying my first investment property in Charleston, SC

If anyone can send links to other real estate posts on this forum I would greatly appreciate it! Thanks! -Matt There is a search feature in the upper right corner, type in real estate and you will get plenty of options. Biggerpockets is a good suggestion. A helpful tool for doing first cut analysis...
by WhyNotUs
Fri Dec 23, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Future budget for health insurance
Replies: 17
Views: 1100

Re: Future budget for health insurance

A couple considerations • Health Insurance rates are state sensitive. You can probably find an online report for your state giving historical increase rate. The higher end of that range could give you a reasonable guestimate. The challenge with linear projected increases is well know but i you are j...
by WhyNotUs
Mon Dec 19, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 25189

Re: Chase Sapphire Reserve: Too good to be (completely) true

I got the card and will decide whether to keep it before the next annual fee is due. I am torn as it has good travel insurance benefits but the $450 fee just rubs me the wrong way. Maybe I will feel different after we use the $1500 in Ultimate Rewards for Paris hotels in a couple months.
by WhyNotUs
Wed Dec 14, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Did Intuit ruin Taxcaster?
Replies: 24
Views: 2465

Re: Did Intuit ruin Taxcaster?

Intuit is a destroyer. They have damaged everything but QB Windows as far as I can tell.
by WhyNotUs
Wed Dec 14, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Cancun / Playa de Carmen – transportation issue with infant and toddler
Replies: 11
Views: 1052

Re: Cancun / Playa de Carmen – transportation issue with infant and toddler

The colectivos do not lend themselves to your desire for baby seats in my experience. They are a van and drivers need them to be full. There are lots of shuttle companies in the area but you will be spending a good deal of $$ to use them for anything other than to and from airport. There are tour bu...
by WhyNotUs
Thu Dec 08, 2016 12:12 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9861

Re: Learning an instrument as an adult?

I pick up my ukulele when I find the time. Usually just starting to learn the chords when life sends me in a different direction.
by WhyNotUs
Thu Dec 08, 2016 12:10 am
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 34
Views: 1878

Re: Eclipse viewing

I was at the one on 7/11/91 on the Big Island, which was the longest one for the next 100 years or so. It was long enough to experience the changes that birds made thinking the sun had gone down. The best part for me was seeing the corona around the moon at totality. It was quite remarkable. This on...
by WhyNotUs
Mon Dec 05, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: buying land without realtor- advice
Replies: 25
Views: 2251

Re: buying land without realtor- advice

+1 on real estate lawyer. As the buyer, you could offer a contract, select title company and have your lawyer look at title commitment. As the person who will end up owning this property you have a bigger stake in getting a clean title and proper process. The seller just wants to move on. I would ag...
by WhyNotUs
Sun Dec 04, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Which country in Africa to visit?
Replies: 63
Views: 3441

Re: Which country in Africa to visit?

Because of the English colonies, there are many english speaking countries in Africa to choose from. South Africa might be a good first stop in Africa. It has more of an African feel than Egypt to me. The southern part includes a very vibrant city, Cape Town, beautiful natural areas (the Cape), nice...
by WhyNotUs
Sun Dec 04, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 48
Views: 4497

Re: Not happy with my realtor

Maybe I'm expecting too much. Should I feel great about my realtor? I don't and feel like I should, but maybe I'm not supposed to. Would finding a realtor I feel great about be unusual? Why do most people hire a realtor instead of a real estate attorney? What is the advantage of a realtor over an a...
by WhyNotUs
Mon Nov 28, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 42
Views: 3858

Re: Landlord for first time - tips and things to know?

Get a great lease Learn state tenant law Use Transunion Smart Move Don't make exceptions in your screening process, you will regret it Under assume income and over assume maintenance Be very matter of fact about the lease Ask people to alert you to ANY maintenance or repair right away, it will save ...
by WhyNotUs
Sat Nov 26, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: World Travel Insurance, Worth it?
Replies: 35
Views: 3305

Re: World Travel Insurance, Worth it?

You are smart to be looking into this and taking it seriously. My first 20 years of world travel I laughed it off. I was fortunate rather than smart- diving, water sports, hiking in the wilds and such without a worry. Once I started to realize my mortality and accumulated enough assets that I needed...
by WhyNotUs
Sun Nov 20, 2016 12:02 am
Forum: Personal Consumer Issues
Topic: Finding a good architect & how to design a house with a budget in mind
Replies: 8
Views: 1052

Re: Finding a good architect & how to design a house with a budget in mind

As others have noted, if a remodel is an option, there may be some good reasons to consider it even if it means renting a home for 6 months while the heavy lifting is done. You could also look for spec homes being built in an area you like. Retaining a realtor to scout opportunities might work for y...
by WhyNotUs
Thu Nov 03, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 22867

Re: How to retire early (in your 30s or 40s)?

People like MMM are not retired, he has never made more money and works quite a bit. The idea of financial independence is to get yourself into a position in which you only do work that you want to be doing. Not chained to something that you don't like just to keep up with bills. Not sure whether I ...
by WhyNotUs
Fri Oct 28, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 59
Views: 4589

Re: First time Maui vacation - where to stay?

Since you have some time before you go I recommend you get the guidebook Maui Revealed . There is also an app but I always like the book. Take time to do nothing; Watch the sunset, stand and stare at the ocean, take a nap, enjoy a shave ice, think about what the working people are doing and smile a...
by WhyNotUs
Fri Oct 28, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Valuation of Commercial Property
Replies: 11
Views: 862

Re: Valuation of Commercial Property

Part of value is what could happen on the property and what, if any, demand there is for those uses. I would start with calling the local planning office and getting a copy of the zoning with the uses allowed and dimensional standards for the property to understand the range of possibilities for the...
by WhyNotUs
Thu Oct 27, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 2245

Re: I need career and financial advice

That would make this company even less interesting to me, due to narrow client base. Having multiple projects in a variety of types- residential (new/remodel), commercial, industrial, lodging, etc. gives you more tool to ride through the peaks and valleys. Maybe there is more to the story and you ar...
by WhyNotUs
Thu Oct 27, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 2245

Re: I need career and financial advice

Instead of worrying about buying the business, I would focus on building your brand and putting yourself in a position to hang out your own shingle. You said that you spend time with clients, do you market and close new jobs? If not, I would ask to get experience in that area. A small arch firm is b...
by WhyNotUs
Thu Oct 27, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 10566

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

My spouse is better at national/international causes and I trend toward local arts, education, and food. Since I always seem to be on one or more NPO board, I am more aware of local needs while she has the big picture. Seems to work pretty well. While effectiveness is hard to measure for many activi...
by WhyNotUs
Wed Oct 26, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 59
Views: 4589

Re: First time Maui vacation - where to stay?

We are now looking to rent a minivan from OGG airport, but most national chains (Avis, budget, national, alamo, enterprise) are out of minivans. We have reserved one with Fox rent-a-car for around $120/day for the full week for now, but will continue to hunt for cheaper rates. I will be scrolling i...
by WhyNotUs
Wed Oct 26, 2016 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Real estate investing....thoughts
Replies: 19
Views: 2528

Re: Real estate investing....thoughts

RE is a big field with a variety of investments- sfh, mfh, apartments, commercial, industrial, vacant land, etc. There are niches for each. The most passive are larger apartment complexes that are run by property managers and long term commercial leases with NNN. If you find your interest growing ov...
by WhyNotUs
Mon Oct 24, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 59
Views: 4589

Re: First time Maui vacation - where to stay?

My opinion on your choices: 3.) Kapalua VIllas- there are three sets of villas- Bay (closest to the ocean), Ridge (nice views/big units), Golf (on the course).They are listed in order of my favorites but each has its attractions. All have convenient access to a pool with gas grill/s for cooking out....
by WhyNotUs
Sun Oct 23, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Land Transfer to Son
Replies: 12
Views: 1268

Re: Land Transfer to Son

You could get an appraisal or market analysis to document value, gift it and then declare gift when you file taxes and it will apply toward estate tax exclusion.
by WhyNotUs
Sun Oct 23, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: First time Maui vacation - where to stay?
Replies: 59
Views: 4589

Re: First time Maui vacation - where to stay?

South versus west Maui is like a family feud so expect a split vote. I am a west sider for vacations but lived in Kihei a long time ago and stay there once in a while. I usually stay in Napili but am going to Kapalua for next trip. They are beside each other. If you list the places that fit your pri...
by WhyNotUs
Fri Oct 21, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How to co-own and co-occupy home with in laws
Replies: 34
Views: 3310

Re: How to co-own and co-occupy home with in laws

Do your in-laws see the same numbers with regard to values and improvements? Creating a common understanding is important for finding a way forward. We have been involved in two co-owned properties- one a straight investment property that we were minority partner on that went okay but the majority p...
by WhyNotUs
Fri Oct 21, 2016 12:20 am
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 72
Views: 5801

Re: Putting in a Word About Tea - brands, types, etc.

Another long time Upton customer. uptontea.com Their catalogue is a wonderland for tea lovers and they have lots of tester sized packages to allow you to experiment. I only drink tea and enjoy a wide variety but not much for tea bags or flavored teas or tisanes. Morning is usually a quality assam or...
by WhyNotUs
Tue Oct 18, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 25
Views: 2103

Re: What iPhone podcast application do you use?

The app that comes with the phone but I am not a heavy podcast user. I like them for car trips the most.

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