Search found 755 matches

by WhyNotUs
Sun Jul 24, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: Vacationing in the Caribbean
Replies: 14
Views: 1203

Re: Vacationing in the Caribbean

Staniel Cay Yacht Club, rent a boat and check out as many empty beaches as you desire.
by WhyNotUs
Fri Jul 22, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 55
Views: 3912

Re: World VCR production is ending next month. What to do with my old VHS tapes?

Sounds like a great time for a purge the old tv shows and box up the videos of family gatherings or children and get them digitized.
There are relatively simple a to d devices to transfer them to your computer if you don't have too many.
by WhyNotUs
Thu Jul 14, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: First trip to Hawaii
Replies: 15
Views: 1208

Re: First trip to Hawaii

ruralavalon wrote:We like Maui Revealed (other people hate it)


I would be one of those, Maui Reviled lists trails that cross private property and advocates unsafe activities.
by WhyNotUs
Thu Jul 14, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: First trip to Hawaii
Replies: 15
Views: 1208

Re: First trip to Hawaii

The two most popular places are the south side (Kihei/Wailea) and west side (Kaanapali/Kahana/Kapalua). There are endless debates about superiority and I will not weigh in other than to say I am a westsider, YMMV. My favorite time to go is February or March. The whales are in residence and birthing/...
by WhyNotUs
Tue Jul 12, 2016 7:50 am
Forum: Investing - Help with Personal Investments
Topic: gearing [using Leverage]
Replies: 32
Views: 1872

Re: gearing [using Leverage]

Not sure exactly what your question is? Most people following the general approach prescribed by this site are not likely to be borrowing against their home at 5% to buy more equities if that is your question. That might be more the Seeking Alpha crowd. That seems like a bad strategy on several grou...
by WhyNotUs
Wed Jun 29, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3501

Re: Reducing Electric Bill- Point of Diminishing Returns?

Attic insulation has multiple benefits. I DYI R-60 in my attic and leave the windows open at night when it gets cool and close them in the morning, on hot days people think that I have air conditioning.
by WhyNotUs
Wed Jun 29, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Favorite ski resort
Replies: 61
Views: 3130

Re: Favorite ski resort

Well, there is lots more skiing at Park City if you just skied Deer Valley. It is hard to beat PC for price/convenience of air travel, especially if you live in a place with good Delta service. Vail is now running the show and the snow is usually excellent. I am not a fan of Cottonwood Canyon experi...
by WhyNotUs
Sat Jun 25, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Home Sale Strategy
Replies: 9
Views: 1429

Re: Home Sale Strategy

Congrats, you are in an enviable position. FWIW, I would sell and put the proceeds in another type of investment to diversify as you have noted. Perhaps keep $100k somewhat liquid for a future real estate opportunity. I spent several years converting RE income into stocks and bonds and appreciate wi...
by WhyNotUs
Wed Jun 22, 2016 7:08 am
Forum: Personal Consumer Issues
Topic: Using toll roads without transponder?
Replies: 19
Views: 1555

Re: Using toll roads without transponder?

In CO, one pays a license plate fee without the transponder. This weekend it was $4 with transponder and about $16 without it for a short section of I 70. The toll lane is optional though and one could simply stay in the non-fee lanes. With a rental car, there would likely have been another fee from...
by WhyNotUs
Mon Jun 20, 2016 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their owners title insurance?
Replies: 13
Views: 1639

Re: Who has needed to use their owners title insurance?

I personally have not but have had two clients over the years that needed and used it to their benefit. If one is buying such a policy, they are wise to hire an attorney to review and clean up the exclusions on Schedule B or know how to do it themselves. Like any insurer the title insurer will seek ...
by WhyNotUs
Sun Jun 19, 2016 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on house situation
Replies: 21
Views: 1915

Re: Advice on house situation

jimb has just given you some very valuable advice to consider.
by WhyNotUs
Sat Jun 18, 2016 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: 3 days in moab in august
Replies: 20
Views: 1922

Re: 3 days in moab in august

You couldn't pay me to go into Fiery Furnace in August. But then again I would not go to Moab then. Please prepare yourself for extreme conditions and plan all of your activities for daybreak with lots of water and a cooling rag. I would be off the trail by 10 am. A big nap in A/C after that and the...
by WhyNotUs
Sat Jun 18, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 73
Views: 6063

Re: Any Porsche 911 owners here?

As with a home, if you assume a % of new value each year it will give you a sense of the impacts of maintenance costs. Most expensive car means more expensive repairs/maintenance/insurance etc. Have had two Porsches in the past- 914/6 and a 911. Both were great cars. One got stolen (I got it back) a...
by WhyNotUs
Fri Jun 17, 2016 4:41 pm
Forum: Investing - Theory, News & General
Topic: Real Estate Vs Stock Market
Replies: 22
Views: 2007

Re: Real Estate Vs Stock Market

Bam, as you noted there are countless previous threads on this and I would suggest that you consider reading them. In short, you are comparing apples and oranges. RE in your example is a leveraged, illiquid, active, physical asset, that has some interesting tax differences. You seem to want to compa...
by WhyNotUs
Wed Jun 08, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken For Mac
Replies: 10
Views: 800

Re: Quicken For Mac

There was a time when Quicken (Mac) was a good product but that was many versions ago. The good news is that Intuit sold it and we are all waiting to see if the new owners right the ship.
by WhyNotUs
Wed Jun 08, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 5570

Re: Are Rentals As Bad As Some Make Them Out To Be?

There is money to be made in rentals at the right price, in the right rental market and with a willingness/aptitude for dealing with tenants and repairs. With good tenants, it can be a good experience. The concerns that I have are the people that say, "I am moving to Pittsburgh and can just ren...
by WhyNotUs
Wed Jun 08, 2016 7:11 am
Forum: Personal Consumer Issues
Topic: Window replacement - any advice? Lessons learned?
Replies: 30
Views: 2273

Re: Window replacement - any advice? Lessons learned?

The installation is very important to the energy benefits and longevity of the windows. A good Low-E window with a very good install will service you well. Beyond that you need to determine whether you want a maintenance free window, if so go with vinyl or a wood look if so go with clad exterior. Th...
by WhyNotUs
Sun Jun 05, 2016 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest for Real Estate Goals
Replies: 3
Views: 490

Re: How to Invest for Real Estate Goals

Can't speak to your specific funds as the expense info or alternatives were not provided, but it seems like you are headed in a good direction overall. You stated that you were not settled in a location, does that mean within your town or within the country? If you are not staying in your community,...
by WhyNotUs
Wed Jun 01, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 8435

Re: Would you pay 6x face value to see Hamilton on Broadway?

I couldn't. We were in NYC last fall and my daughter saw it pre-Broadway and knew that I would love it. Downloaded the cast recording and really liked it. Couldn't pull the trigger on 4 great seats for $2k. We did try the lottery three times while there. It was in person then, now online. They sell ...
by WhyNotUs
Mon May 30, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 71
Views: 3995

Re: Things to Do and See on Kauai, Hawaii

Mahaulepu Heritage trail is near where you are staying and meets your desire of walking and history. Kuilau Ridge and Arboretum could be worth a shot for you as well. These are both easy to follow and relatively short trails that you can do alone. Kauai enjoys some beautiful locations with extreme r...
by WhyNotUs
Sun May 29, 2016 9:23 pm
Forum: Personal Consumer Issues
Topic: Anyone convert a van for travel/camping?
Replies: 38
Views: 3581

Re: Anyone convert a van for travel/camping?

We have moved from tent camping, except river trips, to our Sienna van and I can see an R-Pod in the not too distant future. Our Sienna has removable seats and I built a bed platform for the back. It fits a 3/4 full RV mattress and we bought a top of the line mattress. Storage under the bed, in carg...
by WhyNotUs
Mon May 23, 2016 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on house
Replies: 12
Views: 1219

Re: Advice on house

Do you have kids to attend these good schools? If so, I would sit tight and wait to see what happens down the road. 300' from a 138 kV is not something that I would go looking for but the electromagnetism is typically fairly close to the lines, there is a chance that the line will not happen and you...
by WhyNotUs
Sun May 22, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in West
Replies: 30
Views: 2955

Re: Buying land in West

In August, rain barrel water storage becomes legal in CO.
by WhyNotUs
Sun May 22, 2016 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Buying land in West
Replies: 30
Views: 2955

Re: Buying land in West

I can't speak to ND but know a little about the Montana market. You post is a little confusing to me, you state you are looking for "land real estate" which I take as undeveloped land and also state that you are looking are looking for a summer place for your family, which is take as devel...
by WhyNotUs
Sat May 21, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Rebuilding our house for $1.5M: Bad Idea Financially?
Replies: 91
Views: 8536

Re: Rebuilding our house for $1.5M: Bad Idea Financially?

Your original question was whether you were assessing the question in a reasonable manner, I think so. You have a retirement number and where you want to be right now in relationship to it and seem like you have a plan to maintain your track while doing your project. You have done a good job looking...
by WhyNotUs
Tue May 10, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 22
Views: 3744

Re: Renting in Maui

Rentals pop up in NapiliHau sometimes. Maui has restrictions on areas that can have short term rentals, otherwise requires minimum 6 months. NapiliHau is a longish walk or easy bike ride to Napili Beach. This one is a little farther but shows you that your idea is plausible. https://www.showmetheren...
by WhyNotUs
Tue May 10, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Rent Prior to Closing
Replies: 5
Views: 530

Re: Rent Prior to Closing

I have not given a lease but rented a house once before closing on it because of delays. Standard month to month lease. Lack of closing by x date gives the owner permission to trigger one month move out provision. Need to make it clear that you will immediately exercise that option if they do not cl...
by WhyNotUs
Tue May 10, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4851

Re: Noise Reduction

Have you checked the noise to confirm the most obvious points of entry? It is usually the window but worth checking to confirm. There are windows made specifically for your use. If you do not have too much glass, the fix will be easier than moving. If you have a bunch of glass triple pane windows ge...
by WhyNotUs
Sat May 07, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Home office furniture
Replies: 20
Views: 1440

Re: Home office furniture

This has been my experience as well. I have gotten really great deals from used office furniture stores. Typically 80%-90% off original price. When a business relocates or goes out of business things are liquidated at fire sale prices. Everything from typing desks to luxury executive desks, high qua...
by WhyNotUs
Wed May 04, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: Considering buying my own modem
Replies: 43
Views: 3044

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: 81
Views: 8724

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: 2563

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: 37
Views: 2993

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: 37
Views: 2993

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: 1633

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: 2692

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: 2609

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: 14
Views: 1026

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: 49
Views: 3391

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: 22
Views: 3744

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: 4990

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: 1210

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: 5362

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: 2416

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: 1116

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: 2103

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: 47
Views: 4318

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: 909

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: 4200

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.

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