Search found 839 matches

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: 25
Views: 2192

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: 2391

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: 990

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: 20695

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: 57
Views: 3890

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: 789

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: 2092

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: 2092

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: 9963

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: 57
Views: 3890

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: 2426

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: 57
Views: 3890

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: 1200

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: 57
Views: 3890

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: 3198

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: 5046

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: 2002

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.
by WhyNotUs
Wed Oct 12, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Not For Profit Idea [Financial Literacy]
Replies: 15
Views: 1261

Re: Not For Profit Idea

Your local community college would probably love to have you deliver a non-credit course. I would look around for a book to use so that you do not have to create a bunch of content to go along with your knowledge.
by WhyNotUs
Wed Oct 12, 2016 5:40 pm
Forum: Personal Consumer Issues
Topic: Super cheap mens bike (< $150)
Replies: 23
Views: 2079

Re: Super cheap mens bike (< $150)

Thank you all. Surprising to me about the strong consensus that a used good brand is much better than a new not so good brand. I did do a quick craigslist search and found a Trek for $100. Also surprised at low quality of non-expensive bikes. My parents bought me a Schwinn (25-30 years ago) that is...
by WhyNotUs
Sat Oct 08, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 109
Views: 13401

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

Asking someone what their net worth is often stops the queries. I bought a new car a couple years ago and one of my occasional clients said that he was surprised and wanted to know what was going on. I explained my thinking in buying a Nissan Leaf and he shared that seeing me driving the same Toyota...
by WhyNotUs
Fri Oct 07, 2016 11:15 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 90
Views: 6148

Re: Best Albums of 2016

Some to consider: Charles Bradley-Changes (when it is good, it is really good) Carrie Rodriguez- Lola (her best solo work) Paul Simon- Stranger to Stranger (was never really a S & G fan but he has done some interesting solo work) The Frightnrs (tragic story associated with the cd) James Hunter S...
by WhyNotUs
Wed Oct 05, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Advice on woodpecker damage to wood siding
Replies: 15
Views: 918

Re: Advice on woodpecker damage to wood siding

Hmm, shooting woodpeckers is not okay. Not that them hammer on the wall of your bedroom at 5 am is either.

I tried so many things- steel wool, tin, shiny spinning objects, etc. and nothing worked for too long. Then I got Hardiplank fiber-cement siding and the problem went away.
by WhyNotUs
Tue Oct 04, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: Anyone own real estate in their IRA?
Replies: 10
Views: 1251

Re: Anyone own real estate in their IRA?

I have had a little interest in this Self Directed IRAs for RE investment in the past and went to two presentations by different outfits offering the trustee services. I had a bad feeling after each. Lots of fees and people making too good to be true claims. I lost interest.
by WhyNotUs
Tue Oct 04, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: About Vanguard advisors: opinions, thoughts?
Replies: 36
Views: 3144

Re: About Vanguard advisors: opinions, thoughts?

Questions: Is this normal behavior for a Vanguard financial advisor? Yes, they are offering portfolio management and have accountability Don't a lot of investors avoid foreign stocks, anyway? Some avoid foreign stocks, personally I have my toe but not foot in What course of action should the couple ...
by WhyNotUs
Tue Oct 04, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Selling Home to Parents
Replies: 9
Views: 1163

Re: Advice on Selling Home to Parents

Do you have enough cash that you could tie up for a year or so to pay off the mortgage sell house at cost to them with you holding mortgage while they then turn around and sell? They will have taxes on gains but someone will need to pay them given the way you set this up. Have you been listing it as...
by WhyNotUs
Thu Sep 29, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 12857

Re: What kind of car do Bogleheads like to drive?

2013 Nissan Leaf.
by WhyNotUs
Wed Sep 28, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Fido is Cheaper; My Reasons to Stick With Vanguard
Replies: 29
Views: 2977

Re: Fido is Cheaper; My Reasons to Stick With Vanguard

VG Admiral Indexes and Fido Spartan are both wonderful choices, the investor is the big winner in the competition to be the cheapest in any year.
by WhyNotUs
Tue Sep 27, 2016 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 882

Re: Hiring a PR person/team to promote music business: worth it?

Do you know people in a similar genre who have achieved your goal without the work and sacrifices of going on the road and building an audience? If so, I would interview them and see what they did. As you know, the well worn path is playing live on radio stations, at clubs, and building an audience/...
by WhyNotUs
Sun Sep 25, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property forum
Replies: 8
Views: 1112

Re: Rental property forum

Since RE is a fairly local activity, you might look for a local meet up of investors.

http://www.meetup.com/topics/real-estate-investors/
by WhyNotUs
Sat Sep 24, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 3799

Re: Would you buy this house in a flood zone? HELP!

It depends what my other choices were. If there are houses out of the flood zone, then I would look elsewhere. If the entire area that I want to live in was subject to that, then I would spend some time/money understanding the FEMA maps for the area and bringing in someone who could help me understa...
by WhyNotUs
Sat Sep 24, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Stay a 1099 contractor or incorporate?
Replies: 18
Views: 1540

Re: Stay a 1099 contractor or incorporate?

I would discuss your IRA strategy with your new accountant. It would be wise to look at it in a holistic manner if you file jointly and have common goals with spouse. It sounds like you have enough work like ahead of you to enjoy the benefits of a Roth but someone with much more info on your goals a...
by WhyNotUs
Thu Sep 22, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Stay a 1099 contractor or incorporate?
Replies: 18
Views: 1540

Re: Stay a 1099 contractor or incorporate?

I am hoping that what you heard about tying up money in an IRA was a miscommunication. I would start by following up on that. If that is truly the CPA's position, then that tells me I need a new accountant. That is a position that is impossible to defend due to the power of compounding. As for LLC o...
by WhyNotUs
Sat Sep 17, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Reccomendations for decent patio furniture
Replies: 9
Views: 990

Re: Reccomendations for decent patio furniture

We love our polywood furniture. It stands up to the test of time. All I do is make sure everything is tight every year or two.
by WhyNotUs
Sat Sep 17, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1855

Re: Tenant Background Check and Credit Check

I use Transition Smartmove. Tenants put all of the info in instead of giving it to me. Honors their privacy. $35, I can set it up to pay or make them pay. MY tenants have all liked it.
by WhyNotUs
Fri Sep 09, 2016 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: New Guy Looking for Advice [Take ownership of grandparent's rental property?]
Replies: 23
Views: 1389

Re: New Guy Looking for Advice [Take ownership of grandparent's rental property?]

Hello Everyone, What are some of your thoughts on this plan? Is it a good idea given the situation? I appreciate any and all input. A bit of a head scratcher for me, maybe because it is Friday. 1.) They give you a house, creating a tax event. Needs to be reported as a gift so that it is eventually ...
by WhyNotUs
Wed Sep 07, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: Breaking the iPhone cycle - Any Macbook users with Android Phones?
Replies: 49
Views: 3898

Re: Breaking the iPhone cycle - Any Macbook users with Android Phones?

I went the other way, started with an android phone and Mac system. It was not a huge deal but later got a family full of iphone 4s to simplify everything for all uses and share calendars and other services via icloud. The phone has been indestructible and get convince myself to replace it unless it...
by WhyNotUs
Wed Sep 07, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)
Replies: 80
Views: 5308

Re: Need Advice... Girlfriend and I are looking to buy our first home in Denver (super hot seller's market)

Some tough love being delivered but truth. I know people in similar situations buying $300k homes in Green Valley Ranch and can only shake my head. P.S. something a popular school teacher might bring to the table is access to a friendly landlord. She can spread the word that you are looking for a re...
by WhyNotUs
Tue Sep 06, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: What to do with my CD collection
Replies: 35
Views: 2815

Re: What to do with my CD collection

If there is a local community radio station, they might want them.
by WhyNotUs
Tue Sep 06, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Visiting Peru/Machu Picchu
Replies: 16
Views: 1104

Re: Visiting Peru/Macchu Picchu during Columbus Day?

TedSwippet wrote:
triceratop wrote:Don't visit the UK during July 4, I heard there are raucous celebrations and, overall, too much noise.

Yup. We call it Good Riddance Day.


Or first Brexit
:wink: :wink:
by WhyNotUs
Tue Sep 06, 2016 6:00 am
Forum: Personal Consumer Issues
Topic: Visiting Peru/Machu Picchu
Replies: 16
Views: 1104

Re: Visiting Peru/Macchu Picchu during Columbus Day?

Columbus day in Peru? Why would they have that holiday? (Not even sure why America does if you read up on it) It is definitely cheaper to buy a trip when you are in Cusco. It is also true that you are mostly dealing with brokers and it can be really tough to figure out the quality of the trip. I am ...
by WhyNotUs
Mon Sep 05, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: Wood Chipper -- Harbor Freight?
Replies: 40
Views: 3272

Re: Wood Chipper -- Harbor Freight?

Harbor Freight is not the place to buy a wood chipper. A low use power hand tool maybe, I have a finishing nail gun for instance that I used to redo some base and case and use on rare occasions. Wood chipper that breaks will be a pain and potentially dangerous. It sounds like you need some heavy dut...
by WhyNotUs
Mon Sep 05, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: Road bike
Replies: 29
Views: 2564

Re: Road bike

That is a good price and a bike that will serve you well. The bike has mechanical disc brakes and since you are not used to them might want to take it easy with your left hand for a while on the front brake, they can be grabby and you do not want to go over the handlebars :-). Your right hand will s...
by WhyNotUs
Mon Sep 05, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Best way to sell a home in Florida
Replies: 32
Views: 3420

Re: Best way to sell a home in Florida

Do you live in the area? Is the home vacant? If you live nearby you can put an ad in the newsletter at your community, talk to neighboring owners who might have friends looking to get it, and put a sign on the home. Someone buying a FSBO expects to save so of the RE commission as well since they wil...
by WhyNotUs
Mon Sep 05, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: Anyone else experiencing number drift
Replies: 51
Views: 6248

Re: Anyone else experiencing number drift

There are two sides to the ledger. I think reducing current and planned expenses is a better safety net than seeking to save twice as much. We have invested based on 4% return and will adjust our travel budget to reflect reality. We are lucky that we enjoy a both camping trip in the US and a sailing...
by WhyNotUs
Mon Sep 05, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 12273

Re: Which city to start early retirement?

Regarding western Colorado, among the highest ACA rates in the country and a 25% increase in rates for 2017, where I live there is only going to one remaining insurer in the pool. A little better in GJ than the mountain resorts but still not good. Fort Collins would be a better comparison but house ...
by WhyNotUs
Fri Sep 02, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache Staying in Lending Club
Replies: 68
Views: 6614

Re: Mr. Money Mustache Staying in Lending Club

Regardless of MMM, the larger issue is that people are chasing yield. The ongoing low interest rates have lowered people's sensitivity to risk and encouraged people to create higher risk/higher return investment options. That is a story that rarely ends well for those who do not find themselves with...
by WhyNotUs
Fri Sep 02, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Road bike
Replies: 29
Views: 2564

Re: Road bike

I am a lifelong biker, from my first stingray to a shed of bikes today. The bike that I ride the most often is a hybrid bike. I have a 29er mtn bike for specific rides and a road bike for long rides but could just as easily enjoy my life with the hybrid only. It works on paved trails, streets, grave...
by WhyNotUs
Thu Sep 01, 2016 9:26 am
Forum: Investing - Theory, News & General
Topic: Ric Edelman's The Truth about Retirement on PBS
Replies: 142
Views: 12917

Re: Ric Edelman's The Truth about Retirement on PBS

PBS is in a tough spot. Diet shows that tell us to have a diet of mostly veggies, fruits, and whole grains with a little lean protein or finance shows that say to spend less than you make and put the difference into a mix of three low cost index funds are not very sexy (i.e. no one will watch). We w...
by WhyNotUs
Wed Aug 31, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Investment Property Modeling Question
Replies: 11
Views: 568

Re: Investment Property Modeling Question

I just use 8%, one month a year for vacancy in analysis. In my market, that is a generous assumption and I rarely have a month vacancy but it does happen and it is better to allow time for vacancy and upgrades. Your spreadsheet looks good. For the time that you spent it might have been cost effectiv...

Go to advanced search