Search found 990 matches

by WhyNotUs
Wed Jun 21, 2017 7:59 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 10321

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: 765

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: 2890

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: 1484

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: 16330

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: 16330

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: 3130

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: 249
Views: 22851

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.
by WhyNotUs
Thu Jun 15, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3713

Re: Best Cheap Champagne

+1 Prosecco


NibbanaBanana wrote:What's the best cheap champagne for a milestone celebration?

"How do you think I got so rich?"
by WhyNotUs
Wed Jun 14, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
Replies: 74
Views: 5064

Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?

I have one now and have up to four at different times. There has been countless discussions on this topic so I would encourage a search of the archives. Short version, one needs to learn the system for making money on rentals, how to analyze possible acquisitions, and realize that it is a part-time ...
by WhyNotUs
Mon Jun 12, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Resorts outside San Francisco
Replies: 20
Views: 1718

Re: Resorts outside San Francisco

Indian Springs at Calistoga
by WhyNotUs
Thu Jun 08, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Tip Toeing through Summertime 0% auto financing...
Replies: 14
Views: 1413

Re: Tip Toeing through Summertime 0% auto financing...

I used to avoid new cars but wanted a Nissan Leaf a few years ago. Saw an ad in the paper for a car with big discounts and then had state and federal tax credits and the Nissan offered 0% for 6 years. Made it pretty easy to say yes. I called and ordered the car and they delivered it a couple weeks l...
by WhyNotUs
Thu Jun 08, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Real Estate: Direct vs Indirect Investment
Replies: 86
Views: 5803

Re: Real Estate: Direct vs Indirect Investment

If someone was maxed out on all their tax advantage accounts and still wanted to invest. Would they invest in Tax Managed index fund or REIT index fund?? Vanguard of course.What would be a better investment. Someone that it didn't matter if they had REITS. The investment would be 10% or more of the...
by WhyNotUs
Thu Jun 08, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake
Replies: 139
Views: 6847

Re: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake

With apologies to Lao Tzu

Governing a large portfolio

is like frying a small fish.

You spoil it with too much poking.
by WhyNotUs
Mon Jun 05, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Real Estate: Direct vs Indirect Investment
Replies: 86
Views: 5803

Re: Real Estate: Direct vs Indirect Investment

I am down to one rental at this time but always looking at deals. I don't mind the tending to properties as it works with my other obligations. The diminishing growth expectations in equities is likely to make investors continue to look into real estate. My beef is when people try to compare index f...
by WhyNotUs
Mon Jun 05, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4623

Re: Lufthansa Premium Economy

Lufthansa A340 to Munich in April and did not notice a difference in PE and E seats. Definitely not barcaloungers. I always check seat guru as sometimes PE seats are worse for me, ex. ones that will not recline fixed armrest, or have a tight bulkhead and other times they are a good deal. On the A 34...
by WhyNotUs
Mon Jun 05, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 33
Views: 2440

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

I gifted some shares this year and thought that it was a PITA. Sad as that was my plan for future giving but it took too much of my time and the director of the charity's time. My only dissatisfaction with VG to date.
by WhyNotUs
Mon Jun 05, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 6840

Re: Flying first class, business, versus economy.

The only issue my wife and I had was the flight. We flew economy with American Airlines. The question we are contemplating is whether it is worth it to upgrade our seating the next time we travel abroad. Any thoughts from anyone that has experience with this issue would be appreciated. Try it once ...
by WhyNotUs
Sun Jun 04, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred
Replies: 11
Views: 1508

Re: Chase Sapphire Preferred

turnturnturn wrote:
WhyNotUs wrote:... used the airport lounge access 1x ...

Isn't the lounge access only for Reserve, not Preferred?


Oh, maybe that is the name of the card that I have. Corrected. It is the one with the $450 year fee
by WhyNotUs
Sun Jun 04, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred
Replies: 11
Views: 1508

Re: Chase Sapphire Preferred

I had great luck with the UR booking through Chase. We got 150,000 points for the 100,000 point award. The prices for hotels in France were at or below other travel sites. Ended up with 9 nights in great hotels for the points awarded. I was very pleased, in fact might even keep it when renewal comes...
by WhyNotUs
Sun Jun 04, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Please talk me out of a turnkey rental property
Replies: 76
Views: 5225

Re: Please talk me out of a turnkey rental property

Not to discourage you but you asked about outlier downsides: A renter cooking meth in your home, this happened to a friend and was quite a mess Some other illegal activity takes place that create occupancy issues You get a professional tenant- ask at biggerpockets folks about those and consider stat...
by WhyNotUs
Sun Jun 04, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 6578

Re: Inheritance Decision

I would take co-ownership off the table given your previous comments. Would take my share in stocks or cash and buy a modest, low/no maintenance property and enjoy my retirement. The tax benefits will seem insignificant if there are issues when you move into a home that your sister may feel is "...
by WhyNotUs
Sun Jun 04, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Please talk me out of a turnkey rental property
Replies: 76
Views: 5225

Re: Please talk me out of a turnkey rental property

Going back to first principles, what is your goal? You have a good start of investment, great income, and a dynamic field of work. What drove you to look at investment properties in another state? So far, I cannot see what is attracting you to this field, seems like a mismatch. In a few years, if yo...
by WhyNotUs
Sat Jun 03, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: September vaca in Granby then Breckenridge Col.?
Replies: 6
Views: 603

Re: September vaca in Granby then Breckenridge Col.?

Going in to RMNP offers some nice hikes/walks. A short pretty one is to Adams Falls. If you don't want to pay to go to the park, Shadow Mtn Lookout is a nice walk. Depending on weather, you may be starting to see color so I would put Granby at the end of my trip and drive trail ridge if the colors h...
by WhyNotUs
Fri Jun 02, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to reject tenants for subjective reasons?
Replies: 18
Views: 2615

Re: How to reject tenants for subjective reasons?

A person renting in a building that they live in has additional discretion, see Mrs. Murphy Exemption

A person renting a traditional apartment or condo or home needs to have a non-discriminatory process that they document and follow.
by WhyNotUs
Fri Jun 02, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 4894

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

At a recent family gathering, a relative mentioned that they bought a house a couple months ago, and it's already gone up in value 20% according to Zillow. And I also know another relative whose house has tripled in value in five years. I'm wondering if I should start thinking about investing in ho...
by WhyNotUs
Mon May 29, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Priceline for car rental
Replies: 22
Views: 2568

Re: Priceline for car rental

I recently used Priceline twice to oneway cars in FLA and it worked fine. One was Alamo and the other Avis.
by WhyNotUs
Mon May 29, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: First Post - Inheritance
Replies: 11
Views: 1370

Re: First Post - Inheritance

Can you explain what you mean by "on the books" for $229k. Are you saying that is the basis for the value of the home at the time of transfer? If so, that does not jive with the $95k appraisal. The estate needs to establish a basis for it at transfer to either you, your sister, or the two ...
by WhyNotUs
Sun May 28, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Idea for Fun Money Account, Good, Bad or Ugly?
Replies: 32
Views: 1869

Re: Idea for Fun Money Account, Good, Bad or Ugly?

Doesn't sound all that fun. I like my play money for things that I have a personal interest in or something I think I know more about than the average bear.

My prediction is that it would be too similar to market performance for you to have "fun".
by WhyNotUs
Sat May 27, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 45
Views: 3945

Re: Septic Pumping - Did I get ripped off?

In my area, locations for dumping waste are limited and prices are high. I would pay that one one tank. Does not seem like a rip-off and now you knwo you system is good for several years and to only pump one next time. I am assuming that your two tanks are inline and the second one is either acting ...
by WhyNotUs
Fri May 26, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Yet Another Real Estate vs Stock Market Thread
Replies: 44
Views: 3842

Re: Yet Another Real Estate vs Stock Market Thread

avalpert wrote: A good stock investor routinely earns 15-20% with moderate risk because they know how to evaluate companies and buy at great prices...


Hmm, not really.
by WhyNotUs
Fri May 26, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4243

Re: Mexican Pacific Beaches

The wife wants to go to Mexico for a getaway (including our teenage boys). We're leaning towards the Pacific Coast, but I don't know much about Mazatlan vs Acapulco vs Cabo San Lucas, etc. Can the members of this group give me some advice on what places they've liked there? A good beach would be ni...
by WhyNotUs
Thu May 25, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 5612

Re: anyone ever live/living on a boat?

It is not a crazy idea for people who want to live on a boat. That is not most people but for those who love being on a boat, it can be a fine choice. Just back from a sailing trip to Cuba with friends who live 4 months a year on their boat and a condo the rest of year. I do not know powerboats but ...
by WhyNotUs
Fri May 12, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1011

Re: Car Rental in Mexico

I rent cars there every year or two for trips to Maya Riviera. Have yet to find a company that I would recommend. We just expect the worst and then can be pleasantly surprised. Even car rental companies that are normally well respected have just been franchises in my experience. I buy the insurance ...
by WhyNotUs
Fri May 12, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Trip to South Africa in November - Advice
Replies: 24
Views: 1464

Re: Trip to South Africa in November - Advice

"We're both 34 years old and up for adventure. We want an active adventurous vacation opposed to a luxurious relaxing one." 1.) Hike to Cape of Good Hope- be prepared for wind and weather, stop on the way back to look at penguins and a big meal Codfather in Camp's Bay https://www.sanparks....
by WhyNotUs
Wed May 10, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 16
Views: 1706

Re: How to be an executor

People need to reframe and think of 6-12 at least to let the process take place. There are lots of steps depending on state and asset levels and things need to be done properly to protect the heirs and executor. Slooooowww down.
by WhyNotUs
Tue May 09, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Long Term [Care] Rates just went Through the roof!
Replies: 34
Views: 4845

Re: Long Term [Care] Rates just went Through the roof!

- Reduce my coverage - Remove the inflation rider - Stop paying and let it lapse. Thoughts? Don't take it personally, the actuarials blew it and fixed income has underperformed for a decade. The major players that I have read about seem to be mostly in the same boat. As for your choices, it is a nu...
by WhyNotUs
Sun May 07, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3350

Re: First 100 mile bike ride

My number one tip-
Have your bike fitted!
by WhyNotUs
Sun May 07, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3220

Re: How to get out of a apartment renter lease? They want $3,600

Assuming that you are in NJ, the state law says that if you move out the landlord needs to try to rent the apartment and you are on the hook if he/she does not find a qualified tenant. If they do then you are done. So you could 1.) pay the $3600 and get a letter canceling the lease and your obligati...
by WhyNotUs
Sun May 07, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: HOA & renting rules
Replies: 27
Views: 2427

Re: HOA & renting rules

relatively common in HCOL areas. As long as you have safe egress and smoke alarms, it is safe. I am assuming that there is off-street parking provided, if not, that can be a source of conflict with neighbors. The code considers it a second unit if a stove is installed, that is common in many areas. ...
by WhyNotUs
Sat May 06, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 26034

Re: Where to Live on $60K or Less a Year?

Random Poster wrote:A few days ago, she very kindly and nicely stated that she would be willing to move anywhere in the US if doing so would result in me becoming a happier person.


Maybe just work on the above and it won't matter whether you move or not :-)
by WhyNotUs
Fri May 05, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Home Energy Audit recommended actions: 28.4 year payback period??
Replies: 33
Views: 2920

Re: Home Energy Audit recommended actions: 28.4 year payback period??

Great job. I think you will enjoy the difference. Just an update... I had the contractors come in an insert the insulation above my garage...as well as build a new attic hatch/retainer wall. I've been working on doing the rest myself. I installed rigid foam insulation in the Rim Joists, and sealed t...
by WhyNotUs
Fri May 05, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3100

Re: Visiting Paris for 8 days - what to do?

I like the building with a sign that says "Jim Morrison did not die". Because of all the visitors driving residents crazy.
by WhyNotUs
Thu May 04, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3100

Re: Visiting Paris for 8 days - what to do?

As was noted, you need to share your family's interests. Some possibilities: http://www.bikeabouttours.com/pages/tours/the-parisian.html In general, biking/walking along the Seine is a good outing. There are pocket parks to discover along the way. You can plan a ride or walk that allows the kids bre...
by WhyNotUs
Thu May 04, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 3062

Re: Consumer Reports

my local library has an online subscription for its cardholders.
by WhyNotUs
Wed Apr 26, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Colorado trip - w visit to Red Rocks
Replies: 19
Views: 1231

Re: Colorado trip - w visit to Red Rocks

Spend the first night either A.) in downtown close to Union Station and take the Red Rocks Shuttle to the concert (RR is out of the city) or B.) Stay in Golden, closer but still a little driving. I would probably choose B so that I could go there early and walk around and visit the museum. Then driv...
by WhyNotUs
Tue Apr 25, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 43
Views: 3994

Re: Becoming a homeowner/landlord in a college town?

While perhaps not offering the LCOL benefit, ski towns have seasonal rentals to a higher end clientele. Many have really fun summer activities as well.
by WhyNotUs
Wed Apr 19, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37723

Re: Larry Swedroe says "Goodby."

As Larry notes, the regular cycle of questions have been answered and are searchable in this forum by author. The nature of the investment approach prescribed is simple and relatively easy to understand. Staying the course is the challenge and while people can offer support, only we have determine w...
by WhyNotUs
Tue Apr 18, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Reconditioned power tools worth it?
Replies: 6
Views: 634

Re: Reconditioned power tools worth it?

I buy refurbs but I do not make my living with the tools, they are for home repairs and projects only.
Have some Hitachi equipment (compressor and nail guns and a chop saw) from Big Sky Tools that have been great for me.
by WhyNotUs
Tue Apr 11, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9386

Re: Best take it everywhere camera

I like my Nikon Coolpix. It takes good photos and a good beating and will go underwater.

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