Search found 1032 matches

by WhyNotUs
Mon Aug 21, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Running a fundraiser/raffle
Replies: 8
Views: 344

Re: Running a fundraiser/raffle

In CO, only games of chance are licensed and regulated by the state (Bingo and Raffles). Other fundraisers, such as auctions are not. What are you proposing to do? If there is a Susan Komen chapter in your area, they have lots of resources for supporting fundraising efforts and funds would go to the...
by WhyNotUs
Sun Aug 20, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 18
Views: 1933

Re: Real estate vs stock market returns: some unbiased numbers

A few comments • You are taking a very thoughtful look into this matter, thanks for sharing your thoughts to date • Comparing a 3x leveraged rental that generates 1% of cost every month to a 70/30 portfolio has an obvious outcome. That is an apples to oranges comparison. If RE can't win in that scen...
by WhyNotUs
Fri Aug 18, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: Going passive is an active decision
Replies: 32
Views: 2360

Re: Going passive is an active decision

If you can get in and out at the right time to parlay changes in the market and pick the undervalued stocks that will reverse course, then more power to you. I can't or don't choose to spend my life energy trying to the time market or deep dive on valuation. Their or your core point, I am guessing, ...
by WhyNotUs
Mon Aug 14, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6519

Re: It's easy to have an investment plan until you get punched in the face

It would be interesting to study what, if any, the trend toward indexes will have when the next big fall comes. Will people be more likely if they are in a "take what the market gives" rather than "beat the market" state of mind or will people sell at the bottom and be on the sidelines during the re...
by WhyNotUs
Sun Aug 13, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 154
Views: 7908

Re: How far would you travel to see The Eclipse?

We will see, have an eye on a site in WY but going to watch the weather. Was on the Big Island for 1991 eclipse and it was a long one =/-7 mins. Good thing because there was a cloud in the way during the first minute or so. Depending where you were on the island determined whether (weather) you saw ...
by WhyNotUs
Sun Aug 13, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 3602

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

Looks like you are going to have the rental paid off in about 2 years without changing anything from your current practice (42 per month of principal reduction plus regular payment reduction), why bother?
by WhyNotUs
Sun Aug 13, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 64
Views: 4987

Re: Where to buy glasses for eclipse viewing ?

Amazon
The local 20/20 store near our home is giving them away.
by WhyNotUs
Sat Aug 12, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: buying a rental property vs investing more in stocks
Replies: 26
Views: 2775

Re: buying a rental property vs investing more in stocks

JGoneRiding wrote:
Sat Aug 12, 2017 4:00 pm
I like real estate but I don't speculate. Buying a property that can't cash flow hoping for appreciation is a bad idea .
+1
by WhyNotUs
Mon Jul 31, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Questions about prescribed sunglasses
Replies: 14
Views: 1081

Re: Questions about prescribed sunglasses

If you do any water sports, polarized is a must.
by WhyNotUs
Mon Jul 31, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Bad kitchen cabinet install in condo. Need help improving.
Replies: 34
Views: 2768

Re: Bad kitchen cabinet install in condo. Need help improving.

Taking out the soffit will only change rather than solve the problem if the ceiling is not level. I would start by figuring out what is square/plum before figuring out how to fix it.

As others have noted, the drywall solution is likely to be the cheapest solution.
by WhyNotUs
Sat Jul 29, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4219

Re: Wooden flooring in kitchen

We use thick washable rugs in front of sink and stove, both for absorption and comfort.
by WhyNotUs
Sat Jul 29, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 1564

Re: Colorado Vehicle Registration fees

Yes, sounds about right. It goes down over time. There are two parts to the registration- one is based on value of vehicle and the other is based on weight and age. It rewards cheap old cars :-)
by WhyNotUs
Sat Jul 29, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 4981

Re: Philosophy major and future law student

What is your concern? Why does he want to do it? I use my undergrad degree every day, how many people can say that? Had my choices of fields of study as I was interested in just about everything except art and foreign languages. The area of study that I chose birthed the modern sciences and ponders ...
by WhyNotUs
Tue Jul 25, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for living off a lump sum severance for one year
Replies: 14
Views: 1322

Re: Strategy for living off a lump sum severance for one year

+1 to high yield savings. They beat short term cds.

FWIW, breaks in employment are a chance to refresh and reset, hope you can take at least a little time to reflect on life goals and interests before jumping back in.
by WhyNotUs
Tue Jul 25, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3638

Re: Golfers - need to ramp up ASAP!

Just buy some balls to bring and rent clubs from the golf course. Buying clubs seems out of proportion to the need and golf is on life support. Are you driving or flying? The club rental will likely be less than the fee for taking clubs on the plane. There is also an expensive bag carrier approved b...
by WhyNotUs
Tue Jul 25, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Driveway On Neighbours Land
Replies: 30
Views: 2088

Re: Driveway On Neighbours Land

Does the legal description of your property in your deed match the findings of the neighbor's survey. If so, then there is not a title issue. You bought your property but a portion of the access was on an adjacent property. If this is the case, then purchasing an easement is in order or relocating t...
by WhyNotUs
Mon Jul 24, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Patio furniture
Replies: 11
Views: 973

Re: Patio furniture

Love my polywood outdoor furniture. I have a side table and two rockers. Bought them about 8 years ago and don't even bother storing them in winter as they are so stable. We live in a windy area and that led them to me originally. I added cushions to the seats. Couldn't be more pleased. Tighten ever...
by WhyNotUs
Mon Jul 24, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Selling Rental Property By Ourselves
Replies: 15
Views: 915

Re: Selling Rental Property By Ourselves

You have an offer and need to respond. It would be wise to sit down with a RE attorney to go over the terms and the financing agreement to make sure that you completely understand the contract and loan terms. You should also run a credit check on the buyer. Transactions like this are common. The 10%...
by WhyNotUs
Sun Jul 23, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Best value used sailboat 22-27 feet
Replies: 10
Views: 1094

Re: Best value used sailboat 22-27 feet

I have a Hunter in that range and it is a solid boat, nothing fancy or particularly elegant but works hard and keeps ticking. Catalina 25's are a nice boat for sleeping and time at anchor or slip. I would focus on 25- 27 rather than 22 if you want to spend the night on the boat and have meals. 22 is...
by WhyNotUs
Sat Jul 22, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Flooring for rental condo
Replies: 5
Views: 697

Re: Flooring for rental condo

Carpet has a reasonable front end cost and a little higher ongoing costs. If you lease requires the renter to clean carpet, then that will reduce your costs. Your local carpet store can help you get the right color/pattern/product. FWIW, I sold a rental that had PET polyester carpet from Lowes in it...
by WhyNotUs
Sat Jul 22, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: car rental at OGG, any opinions?
Replies: 30
Views: 1643

Re: car rental at OGG, any opinions?

With the consolidation in the industry, it is getting harder for me to see any difference in quality when traveling in the US, just random luck.

For OGG, I check costco but tend to have more luck with discounthawaiicarrental.com. Heading there in about a week :-)
by WhyNotUs
Sat Jul 22, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6726

Re: Shopping for first bike since I was a kid

Congrats on your purchases. If you take advantage of the lite-tune each spring you should enjoy safe and efficient riding for many years. Sounds like you did business with an excellent bike shop.

Someone else mentioned Deore derailleurs, they are true workhorses! Strong and cheap.
by WhyNotUs
Fri Jul 21, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Property in Rural Area that is going "chic"
Replies: 19
Views: 2792

Re: Property in Rural Area that is going "chic"

have you looked at realtor.com?
I looked at Hudson as an example and there are numerous listings to look at prices. Realtors can only disclose the list price, they cannot make up fake prices.
by WhyNotUs
Wed Jul 19, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Favorite Florida "middle" keys restaurant?
Replies: 17
Views: 1336

Re: Favorite Florida "middle" keys restaurant?

Fish House in KL is good and next door is a somewhat fancier version- Encore.

Someone else mentioned Pilot House, a little more informal but some good items and a nice setting.
by WhyNotUs
Tue Jul 18, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3774

Re: Essential Bike (bicycle) Accessories

Glad you found a good LBS. Most important accessory now is the class that you are taking, just learn more about your bike and buy as few things as possible. If they have a class on bike riding form, please consider attending. Learning an efficient pedal stroke can make riding more fun and prevent st...
by WhyNotUs
Mon Jul 17, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Denver Trip - Last minute
Replies: 26
Views: 2026

Re: Denver Trip - Last minute

There is a train from the airport to Union Station downtown and free shuttle bus along 16th St. if you are staying along there. Union Station is worth a visit, excellent bar with local beers on tap right in terminal. String Cheese Incident is playing Red Rocks this weekend, score a ticket and experi...
by WhyNotUs
Mon Jul 17, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: MI Windows/Okna Windows
Replies: 4
Views: 438

Re: MI Windows/Okna Windows

Renewal has aggressive marketing and aggressive sales people.
They sell windows and install and thus make it fairly simple.
They make a pretty good window.
They charge a lot.
by WhyNotUs
Sun Jul 16, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4692

Re: Buying beach bungalow in San Diego for Winters

I have a desire for two months a year in Maui and know exactly the complex in which I want to live. Even during the real estate bust, I could not make the numbers for owning make as much sense as renting without making some pretty big assumptions about appreciation. Have you looked at a corporate ho...
by WhyNotUs
Tue Jul 11, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2316

Re: Outside Pittsburgh short trip ideas

I went whitewater rafting at Ohiopyle many, many years ago and it was a blast. Became a lifelong interest.
by WhyNotUs
Tue Jul 11, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6726

Re: Shopping for first bike since I was a kid

I don't think that I need to follow the links. The difference will likely be in components- derailleurs, cranks, wheels.
by WhyNotUs
Tue Jul 11, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2438

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

Have fallen in love with a Toyota Sienna that is our second car. The rear seats pop out and they stay out most of the summer- hauling from lumber yard, garden center, and we made a platform for the back and a 3/4 full RV mattress fits perfectly for car camping. Never thought I would love a mini van ...
by WhyNotUs
Tue Jul 11, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6726

Re: Shopping for first bike since I was a kid

FWIW, I would not recommend Bike Direct bikes to anyone who does not have the background and tools to work on their own bike. A local bike shop gets you proper assembly and a fit so that you are enjoying your ride from day one. Also expect a free adjustment after the first 100 miles to tighten cable...
by WhyNotUs
Tue Jul 11, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6726

Re: Shopping for first bike since I was a kid

Guitar guy is on the verge of a home run with the Trek bike: 1.) a quality bike for your type of use (paved trail and light off) 2.) purchased from a local bike shop who will assemble it 3.) you can get them to fit it as part of purchase 4.) it is in your price range What more info is needed? Assumi...
by WhyNotUs
Fri Jul 07, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 28
Views: 2322

Re: Unable to Escape from Quicken Island ...

Intuit sent me a customer opinion survey and at the end it had room for comments. Mine was Why have you become evil?
by WhyNotUs
Mon Jul 03, 2017 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial Office Building with 12 Tenants
Replies: 19
Views: 1875

Re: Commercial Office Building with 12 Tenants

What, someone is poo-hooing at 13% cap rate. That is a very good cap rate.

I would go to the next step of research on such a deal.
by WhyNotUs
Mon Jul 03, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Unique adventure trip ideas - sailing?
Replies: 15
Views: 1237

Re: Unique adventure trip ideas - sailing?

A charter in the British Virgin Islands with a captain would give you a great experience. You will be able to learn basics and there are great snorkel and dining/drinking spots. Moorings is the easy path or just google captained charters in BVI. You did not mention schedule but the peak of hurricane...
by WhyNotUs
Sun Jul 02, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Advice on what are the best ways to invest on a college campus?
Replies: 25
Views: 1664

Re: Investing in Real Estate in college?

Families helping family members build wealth is as American as the flag. Just need documentation, transparency, clarity.
by WhyNotUs
Sun Jul 02, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Advice on what are the best ways to invest on a college campus?
Replies: 25
Views: 1664

Re: Investing in Real Estate in college?

You can start with two assessments- the market and yourself Market: Ask a couple friends who are renting for copies of their leases. Assess best locations off-campus and create a spreadsheet describing the qualities of good rentals (distance from campus, # bedrooms, parking, bathrooms, etc.) List pr...
by WhyNotUs
Sat Jul 01, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 3819

Re: FIREcalc says I can retire. Should I ?

Congrats, you are financially independent. Whether you work or not is dependent on your desires and interests rather than as a need.
Health insurance is the biggie.
by WhyNotUs
Wed Jun 28, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Adverse Possession
Replies: 11
Views: 1822

Re: Adverse Possession

Sounds like you are getting a lot of words thrown at you. First, the use that creates adverse possession is not sanctioned. It is against the property owners desires and for an extended period of time. The person is seeking title to that land. I have a client who bought a piece of property from some...
by WhyNotUs
Wed Jun 21, 2017 7:59 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 11187

Re: Amazon Buys Whole Foods

If you know where the grocery industry is heading, make your play. The CEOs and CFOs of major grocers seem to be less confident. I have spent some time looking into it for professional reasons and am humbled by the possible futures. I personally think Amazon is paying a lot for less than 500 stores ...
by WhyNotUs
Tue Jun 20, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: New Septic System for my Parents
Replies: 10
Views: 895

Re: New Septic System for my Parents

Personally, I would pick my engineer and contractor together. The contractor will often have practical knowledge that will be of value to the engineer. I replaced mine about 10 years ago and having the contractor there saved me from a design that would have been expensive to build. He pointed out an...
by WhyNotUs
Tue Jun 20, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: For Sale By Owner HOUSE- Advice Please
Replies: 26
Views: 3129

Re: For Sale By Owner HOUSE- Advice Please

Typically the buyer prepares a contract with an offer, you can hire a RE attorney to help you review and accept or counter. After acceptance it goes to a title company for closing prep. Have attorney look at title commitment and closing docs before closing.
by WhyNotUs
Tue Jun 20, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Church windfall - conservative investment options?
Replies: 22
Views: 1666

Re: Church windfall - conservative investment options?

Here are some steps for your consideration 1.) Church leadership creates a task force of 3 people to deal with the research and bring a proposal to church board 2.) Task Force gets ahold of a couple church investment policy statements and researches conservative investment concepts. Here is an examp...
by WhyNotUs
Mon Jun 19, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 18307

Re: Siblings in disagreement over mom's house.

Brings the issue to a head in the near term. That seems like what is needed in this situation. Letter signed by the three willing sellers stating 1.) Majority owners desire to sell 2.) Understand sentimental value but there are other concerns 3.) Remaining owners have 60 days to make an offer to maj...
by WhyNotUs
Sun Jun 18, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 18307

Re: Siblings in disagreement over mom's house.

Letter signed by the three willing sellers stating 1.) Majority owners desire to sell 2.) Understand sentimental value but there are other concerns 3.) Remaining owners have 60 days to make an offer to majority or property goes on the market 4.) Proceeds to be split evenly assuming that everyone is ...
by WhyNotUs
Sat Jun 17, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Example of why this forum is so good
Replies: 19
Views: 3317

Re: Example of why this forum is so good

Rick's mic drop
by WhyNotUs
Sat Jun 17, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 31749

Re: Tesla Model 3 or Chevy Bolt?

If my only two choices are those, I would buy a Bolt as it is available now.

I have a Leaf and they are selling them very cheap right now, worth a look as well. My 2013 has 43,000 miles and still 12 bars. I am not in a hot climate.