Search found 1250 matches

by WhyNotUs
Wed May 23, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Negotiating for Residential Solar
Replies: 11
Views: 796

Re: Negotiating for Residential Solar

I have three systems, one of which is Sunpower. It was my preferred supplier but I got a deal too good to pass up. Sunpower had an issue with an inverter system a while back, that system is 9 years old for me. Mine lasted beyond warranty but went out before the expected life cycle. Sunpower stood be...
by WhyNotUs
Wed May 23, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitor
Replies: 11
Views: 1130

Re: Heart rate monitor

Mine is FItbit Charge HR, they are about $100 so not the $30 kind. The desktop they provide has been surprisingly useful to me. I am very intrigued by the sleep data as much as anything. Much greater understanding of why my life forces vary. Learning to be a better sleeper. They have enough data to ...
by WhyNotUs
Wed May 23, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1379

Re: Rental car in Denver, CO

If you are planning to spend the first night in Denver, then you can book a hotel near a train stop and pick up a car nearby the next day.
If you use a major brand you can usually return to the airport without extra charge.
by WhyNotUs
Wed May 23, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1614

Re: Babymoon - Hawaii Recommendations/Expected Costs

If you are a Costco member, I would go on their website and look for a package for either- Turtle Bay Hilton on O'ahu or a Kapalua Gold unit on Maui. There are non-stops from Chicago to either location. Have fun!
by WhyNotUs
Mon May 21, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1177

Re: Converting property in to neighborhood park. Trust needed?

Donating to the government takes away property tax and liability concerns. First step is to see the minimum lot standards for the zone district in which the property lies. Then you can draw lines on a survey to indicate what might be donated, then meet with Councilperson or their representative. The...
by WhyNotUs
Mon May 21, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 32
Views: 3608

Re: Upstairs Bungalow Remodel / Bathroom Addition

Thanks for the replies everyone. We have decided to go for adding the bathroom. I was kind of in the corner of the "how much will we use it" camp, while the wife was more firmly in the "we should definitely do it" camp. Well, last night when a friend was occupying our bathroom, and after a couple o...
by WhyNotUs
Mon May 21, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4044

Re: Buying a Vacation Rental Property as an Investment

Anyone ever invested in a vacation rental property? If you have did it work out? Yes, had a loser in HI and a winner in CO. The difference was largely timing, externalities, and going into the second one better informed. Parents would go 50/50 on the downpayment with me (20%). They would basically ...
by WhyNotUs
Sun May 20, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 168
Views: 13376

Re: I’m still not a fan of international bond funds

I'll disagree with you on this one. Vanguard does succumb to the demands of the marketplace. Jack Bogle has spoken about this openly, and I've had the same conversation with several high level executives at the company who confirmed this in confidence. The fact is, Vanguard offers many funds that i...
by WhyNotUs
Thu May 17, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 8730

Re: Solar panels

As for energy inflation....I would not be surprised if it was negative over the next 10-20 years. Numerous new ways of making energy cheaply have been fielded recently, and are being rapidly built out. What do you expect to happen in that case? While my crystal ball does not tell me electric rates ...
by WhyNotUs
Thu May 17, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 4783

Re: New 2018 Nissan Leaf (with 150 mi range)

53,000 miles on my Leaf and still have not lost a bar.
I bought one of the very early Priuses and the ICE boosters all said that would be a battery nightmare. Sold it with 150k and no issues.
by WhyNotUs
Thu May 17, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4323

Re: New motorcycle rider

I have a mc license but no longer ride, just not worth it. I was never as into it as some of the other posters, the exhilaration that seems to attract some is easier for me to gain on a mountain bike or other activity (whitewater raft, etc.) in which my choices drive consequences to a greater extent...
by WhyNotUs
Thu May 10, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 1833

Re: Reccommended Minivans

Sienna is a great van and Odyssey is a very good van as well. We buy Sienna AWD used with 90 to 100k. First one went to 260,000 miles and sold it for $1000 (bought for $9500), second one paid $9000 but it got totaled (I still miss that one it was in excellent condition) and most recently a replaceme...
by WhyNotUs
Sun May 06, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 20
Views: 1325

Re: Tea supplier comparison

Another big Uptons fan. I drink a lot of tea and was involved in setting up a tea house for a client. They have quality teas at good prices. If you want to make the leap from grocery store tea to loose leaf, a couple things will be helpful • A supplier- Uptons for me • A brewing approach- my choice ...
by WhyNotUs
Fri May 04, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 1987

Re: My first week of cycling in Slovenia and Croatia

www.agoda.com is a nice site as it lists hostels, hotels, and rooms for rent.

Best wishes on your adventure!
by WhyNotUs
Mon Apr 30, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2370

Re: Bicycle Questions

I would look at bike share (there are two programs in St Louis) or a cheap used bike. Bike theft is a big issue. I bought my daughter a $80 bike at Target. It was not for pleasure riding, just getting to class and back but it lasted three years and did its job. She gave it to a Freshman when she lef...
by WhyNotUs
Mon Apr 30, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 2537

Re: Cellphone use in Europe now inexpensive

We used Vodafone. 10 euros for 3 Gb of data and more calls and texts than we would ever use. Worked well in Portugal and Spain for data but we had to pick a country from calls or pay an additional 5 euros for intl plan. Vfone stores are common.
by WhyNotUs
Mon Apr 30, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8667

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Did not read all of the responses so this may have been covered: • If they are going to lots of national parks/monuments, an annual pass may be a better deal. Any two people can be covered for $80. Park fees can add up quick • What's app is great for when there is internet but not cell service. Both...
by WhyNotUs
Sun Apr 29, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: Self-Directed IRAs - Potential Paradigm Shift?
Replies: 6
Views: 614

Re: Self-Directed IRAs - Potential Paradigm Shift?

Please report back in the future. I went to a presentation on Self Directed IRAs a few years ago as a possible tool for RE investment. The more I dug the less interesting it seemed, fees, limitations, and bad feeling about the people involved. This concept has been discussed before on this board. In...
by WhyNotUs
Sun Apr 29, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 905

Re: Did you rent car in Spain?

P.S. if from the US, International Driving Permit required.
by WhyNotUs
Sun Apr 29, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 905

Re: Did you rent car in Spain?

Seeking tips in managing a car rental usage in Spain. I am imagining that city centers will be very congested and its going to be very difficult to find reasonably priced parking. Correct in most cases Where did you park the car when sightseeing? Did you park the car in the hotel and use public tra...
by WhyNotUs
Tue Apr 24, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10445

Re: Nomadic lifestyle in their 50s

Can't track all of your financial assumptions but it sounds like you are looking at the right considerations. The glaring hole is health insurance. We would be more nomadic if not for health insurance. Our rates for a not very good policy would be $26k a year in our market. It would require $40k or ...
by WhyNotUs
Mon Apr 23, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 2955

Re: Your own General Contractor

You might save 10% or so by acting as your own GC, after paying Builders Risk, spending a good deal of time, and finding a really good construction supervisor who is willing to really be the GC without the liability or pay. Another way forward is to study online how to read drawings so that you can ...
by WhyNotUs
Fri Apr 20, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 2828

Re: So many problems I can't even figure out how to prioritize them

Things that are fairly low cost and I can do myself so should not even be on a list (just do it) Door weather stripping Shovel Trimmer Rust treatment on Swamp Cooler Curtains (if you have a sewing machine or have a friend with one you tube is your friend) Funky will do for now Things that I just ne...
by WhyNotUs
Fri Apr 20, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2154

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

I have used both CC and Bookit for all inclusive trips to go diving and the prices have been low. They did tend to have flight connections, sometimes inconvenient ones but the savings made it worth it for us.
by WhyNotUs
Mon Apr 16, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 330323

Re: What are you up YTD? [Year To Date]

Negative 0.56%

I had not been looking expecting it to be worse.
by WhyNotUs
Mon Apr 16, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Asset allocation for self-employed, independent contractor
Replies: 6
Views: 455

Re: Asset allocation for self-employed, independent contractor

Have been self-employed all of adult life. I keep six months expenses in local bank and invest other funds just like anyone else- asset allocation based on age and risk profile. My form of employment is only really relevant in having a little more latitude in amount to put into retirement each year ...
by WhyNotUs
Sun Apr 15, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1877

Re: Spain in May end

If you go to the website you will see that they are sold out well into June, maybe July by now. The Granada card was sold out through mid-May last time I checked. Last fall I was able to buy an Alhambra ticket online in mid-September for a late October visit. I was able to buy a ticket the day befor...
by WhyNotUs
Sun Apr 15, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1877

Re: Spain in May end

I am sure that there are people who choose not to get an IDP and as long as you do not get pulled over and the rental car company does not ask for it then you are fine. The same would be true of having a drivers license at all. As long as nothing happens you do not need a driving license. However, i...
by WhyNotUs
Sun Apr 15, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1877

Re: Spain in May end

If you do get a car and are a Yank, then you need to get an Intl Driving permit in Spain. Other advice about not wanting/needing a car in cities is good. Expect to pay more for parking than the rental. Rail and bus service is excellent between many cities and points of interest. For instance, one co...
by WhyNotUs
Fri Mar 23, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 43
Views: 4229

Re: Do I need title insurance?

Yes you need it, no the cost is not based on a reasonable profit from their risk
by WhyNotUs
Thu Mar 22, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 17857

Re: Are we missing recession /bear market beginning

It takes a good deal of luck to beat picking an asset allocation that you can live with and letting it ride. Statistical analysis suggest that the most profitable way to save for retirement is find your acceptable level of risk and set your AA accordingly and then focus on other parts of your life. ...
by WhyNotUs
Tue Mar 20, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7382

Re: REITS and Swedroe

We are yet again making the case for the three or four fund approach.

This is where Taylor usually sends his long list of quotes...
by WhyNotUs
Mon Mar 19, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: What kind of bike do I need and how much should I spend?
Replies: 44
Views: 2893

Re: What kind of bike do I need and how much should I spend?

You would need to say more in order to get better advice. Riding distance- I want to run errands and an occasional 5-10 mile ride, or I want to ride 20-40 miles or I want to distance ride Riding surface- I will be riding on paved roads and/or paved trails, or riding on gravel roads, or riding off-ro...
by WhyNotUs
Mon Mar 19, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 29
Views: 3634

Re: $20,000 question - Galapagos or Serengeti safari ?

Had wanted to go to Galapagos several years ago but when I read up on it I decided that we were not supposed to go there, some things are better left alone. Have experienced safari in S Africa (Kruger) and in Zimbabwe. I think Kruger is the best "deal" as they are set up for larger groups and there ...
by WhyNotUs
Mon Mar 19, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Price on a new build condo
Replies: 9
Views: 977

Re: Negotiating Price on a new build condo

+1
stan1 wrote:
Sun Mar 18, 2018 6:19 pm
You might have better luck getting an upgrade allowance instead of a price reduction. I'd try both, you never know.
by WhyNotUs
Mon Mar 19, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Real Estate Owner... Now What?
Replies: 15
Views: 1961

Re: Accidental Real Estate Owner... Now What?

I would wait to see what the title co says. It is unclear to me how she became a co-owner without signing anything.
by WhyNotUs
Mon Mar 19, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11296

Re: Terminal illness with small kids

Hmm, have not had that experience as I never assumed that I could deduct a gift to another person in that manner. Not sure why others would either. The new standard deduction will eliminate tax benefits for most filers anyway. The idea of setting up a bank account at a local bank is sound. I have pa...
by WhyNotUs
Mon Mar 19, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Cargo Vans- suggestions
Replies: 10
Views: 966

Re: Cargo Vans- suggestions

$16k is an attractive price for a cargo van. I do not know that particular van but had a Chevy for a business that I was a part owner of.

It would be hard for me to buy a van for dogs without operable windows.
by WhyNotUs
Sun Mar 18, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 64
Views: 11296

Re: Terminal illness with small kids

The idea of setting up a bank account at a local bank is sound. I have participated in gifting many such funds, sometimes when I barely knew the person but knew the survivors needed help.
by WhyNotUs
Sun Mar 18, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pickleball versus Tennis
Replies: 27
Views: 2685

Re: Pickleball versus Tennis

Sounds like you will have the funnest yard in town! Great feedback. Thank you. We can fit a tennis court, but it will reduce the size of other facilities we want to include. We are limited by square footage of ground coverage. I think my kids will use a pool and patio more than a tennis court, so we...
by WhyNotUs
Sun Mar 18, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3408

Re: House Hunting Concerns With Well

A small point of jargon, in some places a pump test is literally that, making sure the that pump is operating properly. A pumping test is a test to see the impact of non-stop pumping on the water supply and quality. Is there anything in there about a pumping test. That is the most useful info IMO. T...
by WhyNotUs
Sun Mar 18, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 8409

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

I think that there are two things going on: 1.) Talk about investing your retirement and savings and how to do so in a manner that is efficient and effective 2.) Overall financial planning- that includes issues like estate planning, insurance, tax planning, etc. With regard to #1, there is tremendou...
by WhyNotUs
Fri Mar 16, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Modest stereo system
Replies: 57
Views: 3631

Re: Modest stereo system

Speakers are an easy call for me Elac can't be beat in the lower end for a set of speakers that will last a long time. $280 https://www.amazon.com/Debut-Bookshelf-Speakers-Andrew-Jones/dp/B014GSEQ06 Since you did not mention home theater capabilities but did mention 21st century connectivity, I woul...
by WhyNotUs
Tue Mar 13, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3408

Re: House Hunting Concerns With Well

Is there anything in there about a pumping test. That is the most useful info IMO. They run the pump for a designated period of time (24 hrs around) and measure the impact on the aquifer. A 2 gpm well is not great but if it is reliable and matches the use pattern of the home or can match the use wit...
by WhyNotUs
Sun Mar 11, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3035
Views: 934053

Re: What Book Are You Currently Reading? Part VI

Put down "Don Casey's Complete Illustrated Sailboat Maintenance Manual". Resisting the urge for a different boat.

Picked up American War by Omar El Akkad, too early to tell, might be too much like reading the news :?
by WhyNotUs
Sun Mar 11, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?
Replies: 30
Views: 2876

Re: Life and Financial Goals Weekend Away - What Should My Wife and I Discuss?

You have a great list already and lots of tough work there.
If you can make it through that, then you will be in great shape with regard to money issues.

Congrats on making the time alone to be together and discuss, it can't be easy in your household right now to find that time.
by WhyNotUs
Fri Mar 09, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 6765

Re: Is this too much for a kitchen?

I can't imagine spending $50k or $40k or even $30k and having mdf cabinets (IKEA). Plywood boxes.
by WhyNotUs
Fri Mar 09, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Frameless Shower Glass Thickness?
Replies: 8
Views: 936

Re: Frameless Shower Glass Thickness?

I priced it out both ways and ended up with 3/8 due to costs. I understand you to be saying that you can get 1/2" in the fixed and 3/8" on the door for less than your other bid/s and that would have made me go with that. The stability is less of an issue for me than the look. 1/2" glass looks better...
by WhyNotUs
Thu Mar 08, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 6765

Re: Is this too much for a kitchen?

A second contractor we spoke too came out and estimated about $300/sq ft but wouldn’t discuss specifics. Now that the 1st place has come back with an estimate, I can’t help but think that it’s a lot to spend on a kitchen considering the price of the house. As always, appreciate BH’s thoughts and co...
by WhyNotUs
Wed Mar 07, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 178
Views: 18194

Re: Is Cash Trash? The Purpose of Cash

Seems like a good start of a thread of investment aphorisms.