Search found 1130 matches

by WhyNotUs
Thu Dec 14, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching elementary school kids about money
Replies: 32
Views: 1769

Re: Teaching elementary school kids about money

Mostly just tried to teach them about giving and sharing in elementary school. Focusing on an appropriate heart about money rather than head
In high school we started talking about the difference between income and wealth and living below ones means as a path to freedom.
by WhyNotUs
Wed Dec 13, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 66
Views: 5903

Re: Dad Needs Help Buying Wedding Liquor

Wow, I thought that I was bad.... That recipe has 5 eggs, 2.5 sticks of butter, 1 2/3 cup of white, and more sugar to sprinkle on top. My wife would kill me (or that dish) Just finished off an old bottle of Chambord that I bought in 2008, finally tried it in mix for french toast and found it to be y...
by WhyNotUs
Mon Dec 11, 2017 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 59
Views: 5059

Re: Year end review with less nerdy spouse

Dashboards are even nerdier. Word doc 11 x 17 color with all of the key charts on one page. It gets updated each year to add data so that it builds on the learning with executive level info.
by WhyNotUs
Mon Dec 11, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity
Replies: 20
Views: 2130

Re: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity

Yes, I have done it a couple times and encourage my children to do the same. Living below ones means creates opportunities for personal growth.
by WhyNotUs
Sun Dec 10, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 66
Views: 5903

Re: Dad Needs Help Buying Wedding Liquor

Just finished off an old bottle of Chambord that I bought in 2008, finally tried it in mix for french toast and found it to be yummy.

Haven't owned any vermouth for decades.
by WhyNotUs
Sun Dec 10, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 89
Views: 5823

Re: Quit jobs to gain lower EFC

Separating ethical and financial decisions is something I try to reduce rather than increase. More work to do but seeking better alignment.

Two daughters, sole payer, upper middle income, private liberal arts schools. It was hard but they worked hard so I worked hard.
by WhyNotUs
Fri Dec 08, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3451

Re: Please suggest a dry hands product

Corn Husters is oil free
by WhyNotUs
Fri Dec 08, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 66
Views: 5903

Re: Dad Needs Help Buying Wedding Liquor

A couple notes on the excellent list below: If you buy two bottles of vermouth, be prepared to take them home and dust them off every six months for the next 10 years :D I did not see champagne/sparkling wine on the list and would recommend a prosecco. For wine, I would work with a local wine seller...
by WhyNotUs
Thu Dec 07, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Mold removal from wood
Replies: 9
Views: 819

Re: Mold removal from wood

Bleach doesn't really kill mold on wood. Concrobium is a better choice, might need a few treatments before you recover and leave a layer on when done. It is cheap enough that you can try and then call an expert if it does not work. I have only used it on my boat which is a non-pourous surface. I am ...
by WhyNotUs
Sun Dec 03, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Priority Pass- not quite totally useful
Replies: 19
Views: 2062

Re: Priority Pass- not quite totally useful

Wow, thanks for the tip on restaurants, turns out that I will benefit from that at DIA.
by WhyNotUs
Thu Nov 30, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: For a Friend: Keep beach home or sell? How to invest the rest.
Replies: 9
Views: 984

Re: For a Friend: Keep beach home or sell? How to invest the rest.

If they were my friends, I would recommend putting a year's living expenses into whatever FDIC insured savings that would pay some interest and stick the remaining money in a low cost 50/50 index fund. You said that they are planning a year to relax, they can enjoy their homes and take their time de...
by WhyNotUs
Thu Nov 30, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Advice on HOA financial analysis
Replies: 10
Views: 687

Re: Advice on HOA financial analysis

It looks to me like you have the content side well in hand. On the process side, there can be an archetypal drama that plays out around these situations as what you are experiencing is pretty common. For your own sanity and peace, I would be sensitive to triggering fear and defensiveness from the HO...
by WhyNotUs
Wed Nov 29, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 96
Views: 7648

Re: Divs and Cap Gains are killing me

I wonder if this isn't a tongue in cheek or boast post. Paying 15-20% on qualified dividends is about as easy as it gets.
Congrats on your success.
by WhyNotUs
Wed Nov 29, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 186
Views: 17398

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

or "The Well" (similar West Coast pioneer). Those were the days. I had pretty high hopes for the net at that point as a way of mass distributing quality information and perspectives. Now it is largely about porn, shopping, and misinformation. I thought about gambling with BTC as it had all of the m...
by WhyNotUs
Tue Nov 28, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5162

Re: How Do You Stay Current With Popular Music?

If there is a community radio station in your area, try there first. Start looking on the left side of your dial. That is where great emerging artists thrive. If not, itunes can get you access to lots of non-local community radio stations. Someone referenced KCRW eclectic, there is also "the current...
by WhyNotUs
Sun Nov 19, 2017 11:39 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3114

Re: Electric Car (Nissan Leaf) for a teen driver?

FWIW, my Leaf is great in the snow. I live at high altitude with lots of snow and have Blizzaks on it and it is a snowdog.
by WhyNotUs
Sun Nov 19, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: Best albums of 2017
Replies: 13
Views: 1613

Re: Best albums of 2017

David Rawlings Poor Davie's Almanack
JD McPherson Undivided Heart & Soul
Delbert McClinton Prick of the Litter
Old Crow Medicine Show 50 years of Blonde on Blonde
Bob Dylan Trouble No More
Nathaniel Rateliff & NS Live at Red Rocks
Robert Plant Carry Fire
Band of Heathens Duende
Beck Colors
by WhyNotUs
Sun Nov 19, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3114

Re: Electric Car (Nissan Leaf) for a teen driver?

The battery in Leaf's changed about March of 2013 and the batteries after that date have proven to be significantly better. The date of manufacture is on the door. A late 2013 is a safe bet and there are lots of them off lease. If you want to get fancy, you can buy an app called LeafSpy Pro and a li...
by WhyNotUs
Sun Nov 19, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1348

Re: Southeast Asia trip - Cash handling

Cities are pretty friendly for credit cards in Vietnam but in the country it is cash. Used some dong but dollars were pretty popular as long as you can keep up with the exchange rate and make good deals. If you can get the basics of language and think on your feet, the deals can be better in dong bu...
by WhyNotUs
Fri Nov 17, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Dive computer recommendations
Replies: 8
Views: 753

Re: Dive computer recommendations

Mares Puck here so I cannot help with you smaller unit. I need a big screen for big numbers. I would say that going to Divers Direct or similar will allow you to scroll through screens and see how intuitive a unit is to you. I usually ask other divers to see their computers just to learn about all o...
by WhyNotUs
Fri Nov 17, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Current precarious equity environment for a retiree
Replies: 43
Views: 3423

Re: Current precarious equity environment for a retiree

Lots of possible scenarios, including the one that you describe. If you have a big cushion and are confident in your analysis, then you know what you need to do. Personally, I predict too many downturns to be able to act on them. Occasionally, I am even correct! :D I mostly just stay the course but ...
by WhyNotUs
Fri Nov 17, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 2017

Re: RE sale: long close vs. bird-in-hand

I'm inclined to go for Offer A. The total net value here is close to mid six figures so 10% of that is close to mid five figures so not a trivial difference in my total financial picture. And I have spent some time with and like the prospective buyers (don't know the others). But there is that nagg...
by WhyNotUs
Fri Nov 17, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: BMW to Chevy Bolt?
Replies: 30
Views: 2437

Re: BMW to Chevy Bolt?

Sounds like a good option to me. No more oil changes and for a three year lease and a charger at your home the cost of use should be low.

I own a Leaf and it has been a very good car for us.
by WhyNotUs
Wed Nov 15, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 1783

Re: Looking for a Catamaran

For long weekends, a decent cat is going to be quite pricey and perhaps overkill.

A 30'- 40' mono will save you a lot.

Doesn't sound like you are planning any big adventures but I vastly prefer sailing a mono on open ocean, once you drop the anchor a cat is hard to beat.
by WhyNotUs
Mon Nov 13, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2127

Re: Iphone 4

I just went from a 4 to a 6s. Many of the apps that I use or wanted to add were incompatible since I could not update the ios on my 4. There was absolutely nothing wrong with the 4 and the 6s is better but I did not want to change. Apple made it obsolete.

The 4 is now an ipod, that is a shame to me.
by WhyNotUs
Sun Nov 12, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7849

Re: Do you meditate?

Yes, 38 years, 20 mins. I grew up in an angry world and am no longer angry.
by WhyNotUs
Sun Nov 12, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16842

Re: Flying first class, business, versus economy.

+1, everything about me says Business Class except my thriftiness and our propensity to take multiple international trips per year. Australia was the worst, United economy class was like being a chicken in a cage. After surviving to Sydney we had to then take a three hour flight to Cairns. Africa wa...
by WhyNotUs
Sat Nov 11, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4148

Re: Septic tank - deal killer?

Cost to pump vary quite a bit by region, $600 here for 1500 gallon tank. I was doing every three years but my guy said that our system looks like it should be five years. Ask the seller to pump before sale and you can get it inspected. That may buy her 5 years. The leach field cannot really be inspe...
by WhyNotUs
Thu Nov 09, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1770

Re: Best Approach for Purchasing Many Furnishings

If you are a renter then I would think about ease of moving and its ability to stand up to a move. Better furniture is heavy and not moving friendly. My daughter just scored at Ikea. I have never been there but she found some nice looking items at a good price. Her last set was used and she got thre...
by WhyNotUs
Thu Nov 09, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4877

Re: Worth changing 40 gal. to 30gal. hot water tank?

So I went to the Home Depot website and compared Rheerm 30 and 40 water heaters in the same tier ("Performance") 30gal: XG29T06EC32U1 40gal: XG40T06EC36U1 It's almost always possible to find specific examples to prove whatever you want! :beer It is common sense that heating and holding the temperat...
by WhyNotUs
Thu Nov 09, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4877

Re: Worth changing 40 gal. to 30gal. hot water tank?

cal91 wrote:
Thu Nov 09, 2017 6:15 pm

I have not heard of this, but it seems so logical I can't believe I haven't thought of it. Is this pretty effective for increasing efficiency? Where would I buy a blanket.
Check with your utility provider, they often have giveaways in our area.
by WhyNotUs
Thu Nov 09, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2894

Re: Bicycle wheels - what's a reasonable budget

I will never build another set of wheels. I would go with recommendation from a LBS that will stand behind those wheels.
My last wheel was about $250 so I cannot help you with high end wheels but I value having my LBS input more than other riders.
by WhyNotUs
Thu Nov 09, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: A Friend Asked Me - Ponzi or Not? [1st position commercial mortgage notes]
Replies: 27
Views: 4899

Re: A Friend Asked Me - Ponzi or Not? [1st position commercial mortgage notes]

If I could not afford to lose the money, then I would not participate.
There is money to be made in hard money schemes but it is a business with sharp elbows and requires screening deals that I would not hire out.
by WhyNotUs
Thu Nov 09, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: A Friend Asked Me - Ponzi or Not? [1st position commercial mortgage notes]
Replies: 27
Views: 4899

Re: A Friend Asked Me - Ponzi or Not?

I can't figure out why he has to pay that much in interest and use private investors if he is so successful himself. I wouldn't do it. Because if you want to ride out the cycles of real estate, use as much OPM as possible and do more deals that you get a taste of with minimal personal risk. That is...
by WhyNotUs
Thu Nov 09, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4877

Re: Worth changing 40 gal. to 30gal. hot water tank?

Do you mean worth it in terms of dollars saved from energy cost? From an energy perspective, the difference between a 12 year old tank and a new tank is probably greater than the difference between 30 and 40. You could also buy a 40 gal that uses less energy than a 30 gallon. Each one has a label on...
by WhyNotUs
Tue Nov 07, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 2877

Re: Mold Discovered in Potential House Purchase

OP here, thanks for all the feedback. I want to answer some questions: 3) we are just prospective buyers now. However, per our realtor they are now required by law to disclose this issue and how they fix it to any prospective buyer. The sellers have communicated that they will apply whatever fix is...
by WhyNotUs
Fri Nov 03, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 53
Views: 3583

Re: Giving up on Quicken? (and expense tracking software altogether)

Any Quicken users out there who have given up on it after years (decades?) of faithful use? If you have, do you regret giving up maintaining that data? Category tracking I feel like this is one of those areas that in order for the data to have value, it needs to be actionable. For years I've been t...
by WhyNotUs
Fri Nov 03, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Anyone did tours (to Peru) with Gate 1 Travel?
Replies: 16
Views: 1505

Re: Anyone did tours (to Peru) with Gate 1 Travel?

Have only done independent travel in Peru. It is an interesting and beautiful country. As close as we came to a tour was hiring a guide for the Inca trail to Machu Picchu, which is required. I looked at their itinerary and if I wanted to see that much of Peru in 10 days, then a tour is a good idea. ...
by WhyNotUs
Thu Nov 02, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 6310

Re: Unable to Escape from Quicken Island ...

What exactly are the benefits of using Quicken over free tools that are available online??? You answer your own question with a single letter in the question itself: The final letter "s" on the word "tools." Yes, it does take a bit of careful set-up to fully realize those advantages, but once set u...
by WhyNotUs
Wed Nov 01, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Robert Prechter, Elliott Wave theorist, Fox Business today
Replies: 24
Views: 1879

Re: Robert Prechter, Elliott Wave theorist, Fox Business today

Elliot Wave predicts 50 out of every 5 recessions. :sharebeer :sharebeer
by WhyNotUs
Mon Oct 30, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: How to choose an estate lawyer
Replies: 20
Views: 1517

Re: How to choose an estate lawyer

First, always appreciative of BSteiner's wisdom. Second, the OP is wise to spend the time needed to find someone qualified if their assets are significant. I served as executor of an estate that was drawn up by a family attorney and while the deceased's intentions were clear, not all of the work had...
by WhyNotUs
Mon Oct 30, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18886

Re: Early-retired 35 year old with $1 million

My response is influenced more by my personal biography than logic. I would look at it as a "test" rather than a retirement. You are not yet married, don't have kids and are sitting on a nice cushion for your age. The cash on hand is 2 years expenses so I would see what the world looks like without ...
by WhyNotUs
Tue Oct 24, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2018 for Mac [and PC Released]
Replies: 41
Views: 4889

Re: Quicken 2018 for Mac

My experience with Quicken over many years has been steadily frustrating. As soon as my current version goes obsolete, I am out.
by WhyNotUs
Thu Oct 19, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: building contractor has no license
Replies: 15
Views: 1376

Re: illegally working buiding contractor

Do you have a contract or agreement with license, bonding, etc. provisions? Have there been regular inspections? Do you have a valid building permit? I would get answers to this and then (assuming yes, yes, yes,) meet with contractor immediately and present facts and then seek remedy. If the answers...
by WhyNotUs
Wed Oct 18, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6778

Re: Larry Swedroe:Better To Face The Correction

Same for emerging markets (ok, these are expected to be more volatile). The catch is that when there's a crash in the making, it's not that the market crashes just because. There's a reason (or at least some narrative). We've seen quiet times over the last year, general economic recovery, combined ...
by WhyNotUs
Tue Oct 17, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Anyone who started a business what made you comfortable enough to take the chance?
Replies: 25
Views: 2184

Re: Anyone who started a business what made you comfortable enough to take the chance?

I never felt like I would be good working for someone else after my experiences in teens and early twenties so did not think that I had a choice. In other words, it would have been too uncomfortable to work for someone else. Had several good offers to join client firms but was never really tempted. ...
by WhyNotUs
Tue Oct 17, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: How best to sell lot zoned for apartment?
Replies: 8
Views: 841

Re: How best to sell lot zoned for apartment?

As the executor of an estate ... My plan is to interview 3 commercial real estate agents, pick one, and have them sell it. None of the heirs want to invest in or develop the property. Presumably, the buyer will be a developer/investor. Any critiques of the above plan, warnings of potholes, or addit...
by WhyNotUs
Tue Oct 17, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Increase Rental Property Debt or Personal Property Debt?
Replies: 4
Views: 447

Re: Increase Rental Property Debt or Personal Property Debt?

At least a part of this is a tax issue that either you need to calculate or if you have a tax person ask them to analyze. Are you better served by a deduction for interest on rental or personal home? In general, my philosophy would be to minimize debt on where I live as that will be my primary if ev...
by WhyNotUs
Mon Oct 16, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 3154

Re: 30th Anniversary of October 19, 1987 stock market crash

That was a reallllllly bad day. Learned the difference between gambling and investing the hard way.
by WhyNotUs
Sun Oct 15, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 2129

Re: contributing to friend's non-profit?

Depends whether I though what the NPO proposed to do was important, whether they had a reasonable chance of success, and whether my friend seemed suited to the job. Often the answer is yes, but sometimes no. The number of NPOs is mind boggling these days so I am always struggling with larger gifts t...