Search found 725 matches

by WhyNotUs
Wed May 04, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: Considering buying my own modem
Replies: 40
Views: 1921

Re: Considering buying my own modem

I bought one last year when I decided to break down and bring a Comcast cable to our house. Did a bunch of research and found a good cable modem. Never had cable so they had to dig and bury a cable to my house. Four appointments and no shows later I gave up. Modem still on my shelf. A great remind a...
by WhyNotUs
Mon May 02, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 50
Views: 3860

Re: How do Bogleheads TRAVEL?

Bogleheads: > How do you book travel: all-inclusive packages or piecemeal? Mostly piecemeal. I like planning trips and finding the digging for locations that will be interesting to be part of the enjoyment of travel. Have had some luck confirming info using forums on TripAdvisor. The exception is d...
by WhyNotUs
Mon May 02, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Offer made on house, now accessory apartment is not "legal"
Replies: 16
Views: 2335

Re: Offer made on house, now accessory apartment is not "legal"

Legal might mean a couple different things in your situation, 1.) permitted by zoning 2.) built to current code. Both are answerable during due diligence period. The first is either a matter of being allowed by the zoning or through a special use permit. Ask the seller to provide evidence of one or ...
by WhyNotUs
Sun May 01, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: remodel: energy-independent house!
Replies: 35
Views: 2224

Re: remodel: energy-independent house!

FWIW, we started on the renewing/greening an existing home in 1989 and hit 100% renewable for home and one car last year. Patience and incremental improvements were our path.
by WhyNotUs
Sun May 01, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: remodel: energy-independent house!
Replies: 35
Views: 2224

Re: remodel: energy-independent house!

It is great that you are thinking about this and getting ideas before doing anything. There is a logical and cost-efficient pathway to making the changes. You will still be energy interdependent, tied to the grid, as you have air conditioning but can work toward 100% renewables. Ironically, the smar...
by WhyNotUs
Thu Apr 28, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Semi-Retirement and Mexico/Central America
Replies: 14
Views: 1422

Re: Semi-Retirement and Mexico/Central America

Unfortunately, in my opinion, it is pretty easy for you to get a US visa if you have means. A $500,000 purchase of an investment property gets you one with a few rules. Google EB-5 visa and investment property
by WhyNotUs
Wed Apr 27, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: Pea gravel as paver patio alternative
Replies: 28
Views: 2245

Re: Pea gravel as paver patio alternative

Crusher fines will work as you describe. Not a pretty solution but can work.
by WhyNotUs
Wed Apr 27, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: Just washed and stained my cedar house. You'll never guess my next question :)
Replies: 16
Views: 2440

Re: Just washed and stained my cedar house. You'll never guess my next question :)

The Hardie products are excellent- easy to maintain, woodpeckers tire of them, lowers fire risk, what's not to like. Well it is a pain to install but unless you are DIY then that is not a worry.
by WhyNotUs
Tue Apr 26, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Laminate Flooring Installers - finding local contractors
Replies: 7
Views: 401

Re: Laminate Flooring Installers - finding local contractors

I had some installed in an apartment last year at $1 a sf but that was a special from Lowes based on ordering Pergo. The regular price was $2.49 sf for install. While laminate is the low end of the floor installation skill requirement, there are still tricks to getting it right and making sure water...
by WhyNotUs
Mon Apr 25, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 48
Views: 2393

Re: Off to Australia - need advice

Echo the sentiments to cut your locations and transfers, any of which can melt down. Flying from Sydney to Cairns is a long flight- more than 3 hours. If you can get a couple days for Cairns, then consider Port Douglas an hour north of the airport. It is a very nice bike able beach community with bi...
by WhyNotUs
Sun Apr 24, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 12
Views: 1403

Re: Renting in Maui

Positives are obvious. Maui is great Everything is more expensive there. Food items, insurance, dining, etc. etc. Costco in Kahului can help. Where are you going to rent? Easier to find places in Haiku, Kula, or other upcountry area. Traffic near Lahaina is a mess during peaks. Kihei is pretty crowd...
by WhyNotUs
Mon Apr 18, 2016 8:14 am
Forum: Personal Consumer Issues
Topic: Buying the most expensive house on the street?
Replies: 34
Views: 4631

Re: Buying the most expensive house on the street?

One larger house we are looking at backed against greenbelt with views: $160 per square ft. Smaller house across the street that is more nicely remodeled but without views or greenbelt lot: $180 per square ft. Below grade space is typically appraised at a lower cost per sf, that likely accounts for...
by WhyNotUs
Sun Apr 17, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Is commercial real estate really worth it?
Replies: 4
Views: 1127

Re: Is commercial real estate really worth it?

Anyone care to tell me what's so bad about commercial real estate, or if there's a better use for the kind of cash needed to finance something like this? Nothing wrong with commercial real estate. It can be a good investment. You are less likely to find you best deal to be your first deal though. I...
by WhyNotUs
Fri Apr 15, 2016 5:22 pm
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 4535

Re: If wall street is rigged and corrupt , why invest in it?

If deceit and corruption caused the crash isn't that what governs the market? Isn't just like gambling at a casino? Finally, did anybody know ahead of time about the massive corruption in Wall Street in 2008 before the crash, or were people really just suprised by it? It makes me feel like just get...
by WhyNotUs
Fri Apr 15, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Solar Price Per Watt?
Replies: 25
Views: 1906

Re: Solar Price Per Watt?

There is nothing wrong with $2.82 a watt solar, especially for a relatively small system. Where I live, that would be considered a good deal. I am assuming that the two dealers who proposed did a good job looking at subsidies. Cost per watt is the industry standard for comparing offers. I disagree w...
by WhyNotUs
Fri Apr 15, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: Self Directed IRA question
Replies: 17
Views: 962

Re: Self Directed IRA question

I went to a seminar on the topic as I was considering using retirement savings for a real estate investment. The SDIRA gave access to all sorts of alternative investments and everything I heard referred to fees. Many of the people in the seminar were interested in hard money lending and/or flipping ...
by WhyNotUs
Fri Apr 15, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Trust advice for a beginner Trustee
Replies: 25
Views: 1927

Re: Trust advice for a beginner Trustee

The trust stipulates that it "Maintain his standard of living" as directed by his mother, however I am considering lowering the monthly draw to increase the financial pressure and force him to find more lucrative employment. While I can understand your thinking on this matter, I think you...
by WhyNotUs
Fri Apr 15, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 45
Views: 3456

Re: Alternatives to Verizon Wireless

We left Verizon two years ago. I did not have any real problem with them but their plans were for higher users and more frequent phone upgraders than me (still using my iphone 4 and will not change unless it dies). Tend not to use a ton of data, variable minutes each month, and maybe a 100 texts a m...
by WhyNotUs
Thu Apr 14, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: What should a solar power system cost?
Replies: 13
Views: 724

Re: What should a solar power system cost?

Net of $2.80 cents a watt for your system is a good price especially for someone who cannot take advantage of the tax credits. Working with a stable long-term business is important over the long haul. Sounds like a good proposal. I would ask your solar co. to carry the rebate funding so that your gr...
by WhyNotUs
Tue Apr 12, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Selling a house with solar panels
Replies: 38
Views: 3483

Re: Selling a house with solar panels

Might vary by region as it would add value here and attract more potential buyers.

Prepaid electric bills have value. If you have a realtor, they should know how to factor them in the price.
by WhyNotUs
Mon Apr 11, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: Great Deal on Quicken 2016 Home & Business
Replies: 13
Views: 1098

Re: Great Deal on Quicken 2016 Home & Business

Intuit is selling quicken, thank god. They have run a good product into the ditch.
by WhyNotUs
Mon Apr 11, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3617

Re: Experience with Fidelity?

Similar to Nisiprius, I used to have accounts with both and over time consolidated it all to VG. I did not have any problems with Fido and thought their Spartan funds were very good. I like the ownership structure of VG and wanted to make tracking total investments easier. I have a fair bit Wellesle...
by WhyNotUs
Sun Apr 10, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Solar Panel - Sun Power or LG
Replies: 7
Views: 1749

Re: Solar Panel - Sun Power or LG

I have three solar systems including a seven year Sunpower. The inverter recently failed on the Sunpower system and one panel had two cells turn orange (still producing but these panels are in a visible location), my Sunpower dealer replaced both without cost under warranty. Any additional panels I ...
by WhyNotUs
Sat Apr 09, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: All electric car - what if get stranded?
Replies: 34
Views: 2147

Re: All electric car - what if get stranded?

The Leaf gives you ongoing but not very exact feedback on miles remaining, once you start getting low the light with a symbol like a gas pump comes on that the miles remaining indicator flashes with dashed lines, that give you a several mile heads up, the final stage is a dramatic reduction in speed...
by WhyNotUs
Fri Apr 08, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Buy a house with previously repaired foundation issues?
Replies: 22
Views: 1590

Re: Buy a house with previously repaired foundation issues?

"I supposed we could put a contingency in the offer that seller will pay for a separate inspection by a structural engineer of the buyer's choosing. But even if a structural engineer says everything is OK, how sure can I be (50%? 90%) that there won't be issues in the future?" Your conting...
by WhyNotUs
Thu Apr 07, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8419

Re: I'm Addicted

Time and getting the right plan and mix of investments for you will help. I serve on an endowment committee that used to meet every three months and tinker. Over a few years, we all got to develop a common understanding and we found an AA and mix of funds that meets the consensus. We have not met si...
by WhyNotUs
Mon Mar 28, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 3858

Re: Bro Trip suggestions?

Grand Canyon rim-to-rim is perfect for October
Also a great month in Moab area for hiking
by WhyNotUs
Mon Mar 28, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 3858

Re: Bro Trip suggestions?

What time of the year?
by WhyNotUs
Mon Mar 28, 2016 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying home without mortgage - what to consider
Replies: 16
Views: 1921

Re: Buying home without mortgage - what to consider

You will be paying taxes and insurance directly rather than as a part of your mortgage payment/escrow. Set insurance up on autopay and budget for one or two larger payments annually for taxes. Your title commitment becomes even more important and you need to review it carefully and argue any unjust ...
by WhyNotUs
Sun Mar 27, 2016 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone think the stock market is overvalued?
Replies: 50
Views: 4047

Re: Does anyone think the stock market is overvalued?

Yes, no, maybe. Seriously we know by historical mean that the P:E looks a little high but if/when it will go down or set a new normal, or go up another 10% is beyond the comprehension of people who are not selling advice.
by WhyNotUs
Sat Mar 26, 2016 7:38 am
Forum: Personal Finance (Not Investing)
Topic: No debt, want to downsize,should we take loan for some, upgrades to house before selling?
Replies: 15
Views: 1114

Re: No debt, want to downsize,should we take loan for some, upgrades to house before selling?

A first step would be to interview three area realtors with recent sales in your price range. In the course of the interviews ask them what if any improvements they would recommend and why. If you cover the bedroom floor with carpet and I hate carpet in bedrooms then we both lose. In general, it is ...
by WhyNotUs
Sat Mar 26, 2016 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Home too small
Replies: 45
Views: 4149

Re: Home too small

Hi all, What would be an upper limit of borrowing we should consider? 80% LTV still gives you lots of headroom. You could borrow about $45k based on the numbers provided. I would start with my current lender for wither HELCO or refi. You can probably get a bedroom for that and the rough-in for a ba...
by WhyNotUs
Wed Mar 23, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: I Really want to start my own RE Development business, but scared and busy
Replies: 5
Views: 593

Re: I Really want to start my own RE Development business, but scared and busy

In most communities there are pools of investors who individually or collectively invest in mfh. Not all are interested in new construction so start asking around to find a couple and see what type of projects they like. Explain your interest and abilities and see if they would be interested in you ...
by WhyNotUs
Mon Mar 14, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Issue with cutting an agent out of a real estate deal?
Replies: 35
Views: 4045

Re: Issue with cutting an agent out of a real estate deal?

Situation 1- have realtor represent you and she can negotiate fee with seller. Situation 2- You are under no obligation but if you buy it, I would do something to acknowledge her efforts- tickets to a show, nice dinner, hire her as seller's agent on an hourly basis to facilitate sale (not sure wheth...
by WhyNotUs
Mon Mar 14, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: For Parents Who Have Given a Child Money For Home Down Payment
Replies: 158
Views: 11053

Re: For Parents Who Have Given a Child Money For Home Down Payment

Other than filing the gift tax form when you file 2016 (I have filled it out, it is very simple) I do not see any external gift issues. Internally, you will need to be clear that it is a gift, given freely, and no strings. Their plans may change and they may make choices that you would not make and ...
by WhyNotUs
Sun Mar 13, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: wear and tear (damage deposit return)
Replies: 7
Views: 857

Re: wear and tear (damage deposit return)

You can do a walk through with landlord a month prior to move out and deal with any issues if you agree. If not, tenant law varies by state and you would need to look it up on the net for your state. This is a FAQ. NOLO is a great resource, here is their definition to help to get started: http://www...
by WhyNotUs
Sun Mar 13, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Outdoor furniture recommendations
Replies: 12
Views: 1137

Re: Outdoor furniture recommendations

Polywood furniture is the bomb. I live in a harsh environment for outdoor furniture and after 8 years it is holding up great and looks great. I only take the cushions in for winter.

There are lots of places to get it, I used http://www.stonecrestfurniture.com/
by WhyNotUs
Sun Mar 13, 2016 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Any experience with VRBO? [Vacation Rentals By Owner]
Replies: 16
Views: 2249

Re: Any experience with VRBO?

I used to own a property that we had on VRBO. It was the early years of the service and it worked pretty well. Like most internet businesses, as it has grown and consolidation has occurred (they are one with HomeAway now) the fees creep up. They have recently enacted a traveler fee but it is too soo...
by WhyNotUs
Tue Mar 08, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Buying a new home, questions and concerns
Replies: 13
Views: 1811

Re: Buying a new home, questions and concerns

I would sell if you are moving for reasons that others have stated. The home will not generate enough cash flow to pay a property manager and you are two successful professionals with children to care for. If you keep earning and saving, you can look for passive RE investments in the future if you w...
by WhyNotUs
Tue Mar 08, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 2904

Re: Anything to look for when buying a fridge?

At least Energy Star rated. Don't even consider it if it is not. Tier Three is a plus. Fridges are near the top of electric demand in homes. How do you eat? Eat out a lot? Microwave meals? Gourmet cook? Answering these will help set the size of your cooler and freezer. Know yourself. It kills me to ...
by WhyNotUs
Tue Mar 08, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Is an interior designer worth it?
Replies: 33
Views: 3143

Re: Is an interior designer worth it?

seems like you are considering a decorator rather than a designer-- there is a difference in training and cost-- to help you. As others have mentioned it is not uncommon for higher end furniture stores to offer free or low cost decorators. A decorator can also help you with a palette of colors and t...
by WhyNotUs
Sat Mar 05, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: rental income investing
Replies: 50
Views: 4508

Re: rental income investing

There are some people who don't trust the stock market for a variety of different reasons, investment bankers are supplying more daily. Real estate rental is a tangible alternative to equities. If one feels like they understand RE and are comfortable with the duties associated, then this is a good a...
by WhyNotUs
Sat Mar 05, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: House size advice for when the kids start leaving home?
Replies: 38
Views: 2931

Re: House size advice for when the kids start leaving home?

The 4 bdrm/unfinished basement option makes sense as you can test the demand before doing anything. Since none of the walls are structural when you finish it, you can make it flexible for future changes in demand (i.e. if people don't end up visiting it can be a media room or ping pong or whatever)....
by WhyNotUs
Sat Mar 05, 2016 9:12 am
Forum: Personal Consumer Issues
Topic: home weatherization--worth it?
Replies: 28
Views: 2672

Re: home weatherization--worth it?

Do you have some basic skills and enjoy working on your house? The first two are relatively easy DIY tasks depending on your attic access. Pumping cellulose into attic is a pretty easy job. There are kits for recessed can issue. If not, the price seems about right but a second bid would be worthwhil...
by WhyNotUs
Fri Mar 04, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Streaming Internet to Home Stereo
Replies: 46
Views: 3333

Re: Streaming Internet to Home Stereo

Here is a $22 solution that is very simple to use. It is not audiophile quality but the stream that you are pursuing is probably compressed anyway. http://www.amazon.com/gp/product/B00I59VBH4/ref=AmazonBasics_HQP_3P?pf_rd_m=ATVPDKIKX0DER&pf_rd_s=hero-quick-promo&pf_rd_r=1S4Z56YE2WGYMJJ05YSS&...
by WhyNotUs
Thu Mar 03, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policies?
Replies: 33
Views: 3075

Re: Umbrella policies?

Not sure why but when I got my renewal this year the umbrella dropped quite a bit. I remember it as less than $100 this year $1M liability. Home, rental, sailboat, cars. We have Secura. Might be worth shopping.
by WhyNotUs
Thu Mar 03, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce - Splitting Finances
Replies: 25
Views: 2738

Re: Divorce - Splitting Finances

I had not heard of a certified divorce financial planner. The idea of optimizing tax situation current and future while coming up with a fair settlement sounds interesting to me. Given the level of equity in the home, it seems like there are a couple options out there. One would want to optimize in ...
by WhyNotUs
Thu Mar 03, 2016 9:03 pm
Forum: Investing - Theory, News & General
Topic: wellesley income w/o real estate
Replies: 10
Views: 1609

Re: wellesley income w/o real estate

Whoever developed the nine-box graphic deserves an award. What a clear presentation of information at a glance.
by WhyNotUs
Tue Mar 01, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Real Estate in my Portfolio. Please Help!
Replies: 26
Views: 1274

Re: Real Estate in my Portfolio. Please Help!

Unless you think you are moving back to that area I would sell. Long distance rentals are great until they aren't and then they really aren't. Lesson learned the hard way
:oops: :oops:
by WhyNotUs
Fri Feb 26, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Help with Solar Panel project ROI
Replies: 26
Views: 1791

Re: Help with Solar Panel project ROI

Might want to read your proposal carefully if you think you have 20 year warranty on inverter, possible but I would be surprised given their lifespan. That would make your deal even better if true.

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