Search found 936 matches

by WhyNotUs
Tue Mar 21, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: endowment investment guiding principles for small nonprofits
Replies: 5
Views: 226

Re: endowment investment guiding principles for small nonprofits

https://institutional.vanguard.com/VGApp/iip/site/institutional/clientsolutions/endowmentfoundation Also, you would have to ask about expenses not just assume. I am on a NPO endowment committee and have been on two at times. The one with a Trust Advisor has a reduced fee (still too high for me) and ...
by WhyNotUs
Mon Mar 20, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 79
Views: 3178

Re: Best way to expand my vocabulary?

My dad kept a dictionary in our bathroom. I enjoyed learning a new word with every bowel movement.
by WhyNotUs
Wed Mar 15, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Draws on unprofitable LLC
Replies: 4
Views: 316

Re: Draws on unprofitable LLC

The Operating Agreement
by WhyNotUs
Wed Mar 15, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate investing the Boglehead way
Replies: 32
Views: 5920

Re: Real estate investing the Boglehead way

I like Evaluator app from realestatetools.com

You can it in the driveway of the potential deal, take photos with your phone or ipad and have an emailable report to potential investors in a short period of time.
by WhyNotUs
Mon Mar 13, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Norman Rockwell Plates.....who to go to
Replies: 33
Views: 2425

Re: Norman Rockwell Plates.....who to go to

My dad left a pile when he passed, got rid of all but a handful of his faves- Rockwell, Red Skelton Clowns, and Gone with the Wind. They make excellent white elephant party gifts. My dad unintentionally taught me a valuable lesson with them.
by WhyNotUs
Sat Mar 11, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Nearly paid off house; Should I sell, go back to renting and invest the equity?
Replies: 14
Views: 1211

Re: Nearly paid off house; Should I sell, go back to renting and invest the equity?

Maybe, you might make 7.5% maybe not. Straight line compounding leads to funky results since life rarely works that way. You seem to live alone, is that a permanent state? A four bedroom might be in your future. Is the unit that you can rent for $1200 a month going to work for you? If you took the e...
by WhyNotUs
Fri Mar 10, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Should We Redo Our Kitchen?
Replies: 14
Views: 1143

Re: Should We Redo Our Kitchen?

Not enough info provided to share much of value... It is not really a financial investment unless the house is not functional in the sense that there is any ROI. If the kitchen does not work for your family and you have money is excess of your other financial goals, then remodel. If you are divertin...
by WhyNotUs
Fri Mar 10, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Fincancial checklist for becoming a landlord in the future
Replies: 35
Views: 2285

Re: Fincancial checklist for becoming a landlord in the future

I would agree with much of the advice that Meg offered. You have a great current note at below 3% so I would not have a desire to pay that off. I would focus on saving toward downpayment for next property rather than doing anything with my current mortgage. You can also get your free credit report a...
by WhyNotUs
Tue Mar 07, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Telluride Film Festival
Replies: 9
Views: 550

Re: Telluride Film Festival

Sounds like you are staying up in Mountain Village? If so, learn about the gondola back and forth as you will not want to drive if you can avoid it. Once in Telluride during the festival you will like not having to deal with a car. Though some of the venues are too far for an easy walk, there are sh...
by WhyNotUs
Sun Mar 05, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: surveying [property boundaries]
Replies: 12
Views: 947

Re: surveying

Establish a control point.
by WhyNotUs
Sat Mar 04, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Older car getting dents and dings :(
Replies: 26
Views: 2127

Re: Older car getting dents and dings :(

Google Dent Busters and see if there is one in your area, I have had great luck with the guy in our area.
by WhyNotUs
Sat Mar 04, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Organic Alternatives for Lawn and Garden Care
Replies: 35
Views: 1924

Re: Organic Alternatives for Lawn and Garden Care

livesoft wrote:Otherwise, probably the safest weed killer is glyphosate (Round-up). It's an organic molecule. It will kill your grass and lasts in the soil a little bit, so don't overdo it for spot treatment.


Please educate yourself before considering this advice. NOT an organic approach.
by WhyNotUs
Sat Mar 04, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Organic Alternatives for Lawn and Garden Care
Replies: 35
Views: 1924

Re: Organic Alternatives for Lawn and Garden Care

That is a toughie, the organic approach starts before the sod is laid. If we had a time machine, we could go back to prepping your soil before the sod was laid to get the depth, ph, and saturation right. As it stands now, your best defenses are fertilizing, managing pH, mowing high, aerating, overse...
by WhyNotUs
Sat Mar 04, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: investing in friends real estate business - pros and cons
Replies: 28
Views: 1913

Re: investing in friends real estate business - pros and cons

It seems clear from your question that this field is new to you. There are more than one way that investors have relationships to flippers. It would be wise to educate yourself before you go any farther. You might be a hard money lender, an active partner, a passive partner or other. You might have ...
by WhyNotUs
Sat Mar 04, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Point of Sale (POS) software for retail business
Replies: 3
Views: 276

Re: Point of Sale (POS) software for retail business

Square offers a relatively straightforward system with a low barrier to entry and higher transaction costs. If your store will be small and have modest income, the higher transaction cost might not be a big deal. If you have high end merchandise with bigger ticket cc transactions, then the costs wil...
by WhyNotUs
Fri Mar 03, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Mexico 3rd week in June?
Replies: 16
Views: 992

Re: Mexico 3rd week in June?

I spent two weeks in Sayulita a couple years ago in June. It was low season and I really enjoyed it. Got to know the locals and the waves were not too crowded. Had a couple days of weather and a couple really hot days but overall it was nice.
by WhyNotUs
Thu Mar 02, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice with severance pkg - little overwhelmed
Replies: 46
Views: 3340

Re: Looking for advice with severance pkg - little overwhelmed

It feels like you have already decided that you want to stay where you live and are trying to manage the anxiety of leaving a long time job. Understandable. From a financial perspective, health insurance, budgeting, and job search would be my priorities in that order. I would imagine that you have a...
by WhyNotUs
Thu Mar 02, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Getting a feel for cost to build a home
Replies: 11
Views: 1159

Re: Getting a feel for cost to build a home

Costs vary by region, materials and labor are subject to market changes, and fit and finish are variable. There are also government fees, possible HOA fees, landscaping, driveway, either wastewater/water taps or well and septic, and the land cost. If you are just looking for the roughest of estimate...
by WhyNotUs
Mon Feb 27, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: standing water around house
Replies: 24
Views: 1932

Re: standing water around house

A few questions first: 1.) Does your property slope toward the house? All sides? Is it in a low spot? 2.) Do you have gutters? If so, what are they draining to? Forget a retention pond on your neighbors property, solve it on your property unless there is a drainage easement. Start with the simplest ...
by WhyNotUs
Mon Feb 27, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Seems Dave Ramsey is right about debt
Replies: 55
Views: 10186

Re: Seems Dave Ramsey is right about debt

Do people really think he invented the idea of paying off the smallest balance first?

Regardless, getting out of debt is a good thing.
by WhyNotUs
Mon Feb 27, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons of Renting Basement Apartment
Replies: 17
Views: 1329

Re: Pros and Cons of Renting Basement Apartment

Typically the stove will trigger that it is an accessory dwelling unit. That is not usually an allowed use but is often a conditional or special use. Good to do it the right way.
by WhyNotUs
Mon Feb 27, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Donation to charity of appreciated securities held in Vanguard brokerage account
Replies: 10
Views: 1012

Re: Donation to charity of appreciated securities held in Vanguard brokerage account

I just went through the same thing. Multiple hurdles, three emails and 60 minutes on the phone. A couple tips for the next person, assuming like the OP you are donating shares to a charity with a VG account: • If you just use your brokerage account for settling, then there will be nothing in it and ...
by WhyNotUs
Mon Feb 27, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Septic System Groundcover
Replies: 8
Views: 552

Re: Septic System Groundcover

Native grass and wildflowers is an excellent approach.
by WhyNotUs
Sat Feb 25, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 55
Views: 3206

Re: Bogleheads' Philosophy a Generalization?

Do I have this correct, the Bogleheads' strategy is to invest in low cost index funds because they perform as well as or outperform 98% (or some near perfect number) of all mutual funds? If so, what about the other 2%? Apparently it's not hard to find funds that have been outperforming indexes and ...
by WhyNotUs
Sat Feb 25, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 24
Views: 1379

Re: Has anyone had problems gifting Vanguard shares to an organization?

We will see, I sent off the paperwork this week for a gifting transaction. First with VG.
by WhyNotUs
Thu Feb 23, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: S&P at 22 times multiple
Replies: 40
Views: 4629

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: 2648

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: 562

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: 4211

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: 42
Views: 5081

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: 4211

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: 2648

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: 2648

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: 1137

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: 1151

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: 1831

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: 4721

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: 1260

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: 73
Views: 5626

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: 1260

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: 6445

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: 2148

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: 9741

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: 2148

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: 2552

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: 2338

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: 1817

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: 1616

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: 2678

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...

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