Search found 790 matches

by WhyNotUs
Mon Aug 29, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1862
Views: 427829

Re: What Movie Have You Recently Watched?

Captain Fantastic, very good
by WhyNotUs
Mon Aug 29, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 57
Views: 4030

Re: Off to Australia - need advice

Sounds like you had fun but wow...that is what you call a rushed trip. Like others said...for anyone planning to visit from the states plan on 2 week minimum...but if you can make it 3 weeks. I would vote for 3 wk minimum. We had three weeks an only saw a portion of Queensland and Sydney. We knew t...
by WhyNotUs
Mon Aug 29, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: can one accurately time the purchase of one's home?
Replies: 9
Views: 929

Re: can one accurately time the purchase of one's home?

Not sure about timing the housing market but there can be conditions that make it easier to buy- for those not paying cash the availability and rates for fixed rate mortgages influence when to buy for instance. There can be minor seasonal variations in existing stock but the supply is affected by th...
by WhyNotUs
Sun Aug 28, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 33
Views: 2995

Re: Don't pay full price for SiriusXM radio

With the proliferation of internet radio apps, Podcasts, and even service like Amazon Prime that let you download entire albums for free, why people pay for radio service is beyond me. I lucky to have a good community radio station available with new and varied music. Having said that SiriusXM is b...
by WhyNotUs
Sat Aug 27, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 23
Views: 1615

Re: Hawaii anniversary trip suggestions

Montage Kapalua meets your criteria on Maui. Beautiful beaches- Napili, Kapalua, Oneloa within walking distance Excellent coastal trail with interesting walks and also a trail system up hill or walk down from Arboretum Plenty of dining options Snorkeling at Kaplua, Napili, Honolua Culture and histor...
by WhyNotUs
Sat Aug 27, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: $2.2M Windfall
Replies: 37
Views: 4579

Re: $2.2M Windfall

A plan starts with goals. You have a great opportunity to make some choices but they need to be in service of goals. Paying off a mortgage, moving, retiring, an AA targeted at 5-6% return are all possibilities but impossible to prescribe without you getting clear on what you want to achieve. Take yo...
by WhyNotUs
Sat Aug 27, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 334

Re: Birding in Big Sur

I went to the Elkhorn Slough and stayed at a vrbo in Watsonville surrounded by Strawberry fields (forever).

http://www.elkhornslough.org/sloughlife/birds/
by WhyNotUs
Thu Aug 25, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: Seeking advice on what to do about recent property survey/neighbor's driveway
Replies: 34
Views: 3061

Re: Seeking advice on what to do about recent property survey/neighbor's driveway

I've run into this with several commercial properties that are adjacent to residential properties. The last one was where the homeowner's entire driveway and garage were on property owned by my business. In each case, we asked the neighbor to pick up the costs (survey, deed change, recording fee, e...
by WhyNotUs
Thu Aug 25, 2016 7:43 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 39
Views: 3135

Re: Aug. 2017 US total eclipse hotel reservations.

I was on the Big Island in 1991 for the eclipse there, it was almost 7 minutes. The length is noteworthy as it give more time to experience the effect on animals, birds, temperature, etc. The most interesting part for me was meeting the people who are obsessed with solar eclipses. There are people w...
by WhyNotUs
Thu Aug 25, 2016 7:32 am
Forum: Personal Consumer Issues
Topic: Seeking advice on what to do about recent property survey/neighbor's driveway
Replies: 34
Views: 3061

Re: Seeking advice on what to do about recent property survey/neighbor's driveway

Hmm, if the county requires a survey to drill a well and the neighbors have a well, how is it that the area was never surveyed? I agree that a logical first step is sharing your surveyors findings with the neighbor. You seem to have a grasp of the range of options. A relocation of the driveway or a ...
by WhyNotUs
Thu Aug 25, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: how much should I shoot for as a contractor
Replies: 19
Views: 2043

Re: how much should I shoot for as a contractor

I work in a different field but have been an independent contractor for most of my adult life. Unless you have a unique skill, then the market will be a more useful input than a 2x metric. My field has become quite crowded over the years as former government workers semi-retired and dabbled in consu...
by WhyNotUs
Thu Aug 25, 2016 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Help me with pros/cons for buying a 1M investment property in LA
Replies: 44
Views: 2466

Re: Help me with pros/cons for buying a 1M investment property in LA

An apartment complex with professional management or commercial property seem like better areas to explore for a $1M real estate deal. Your cash gives you a lot of leverage in a deal and there is no reason that you cannot take your time and find a solid project that will return 6 or 7% in passive in...
by WhyNotUs
Mon Aug 22, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5377

Re: Do you wash your car yourself, or have it done?

Just seeing the title to this thread reminded me to wash (by hand) my car yesterday, thanks. Yes, there is rain in the forecast today :happy
by WhyNotUs
Mon Aug 22, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Why don't ultra high net worth athletes just use a 3-fund portfolio?
Replies: 30
Views: 2266

Re: Why don't ultra high net worth athletes just use a 3-fund portfolio?

There is no one selling the 3 fund approach to high income investors. A money manager has no incentive to push it as it would be in his/her interest to sell hedges and complicated options and put their management cut into a 3 fund. Playing off an elite athlete's competitiveness to sell a hyper strat...
by WhyNotUs
Sun Aug 21, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor, what's involved?
Replies: 26
Views: 2347

Re: Buying a house without a realtor, what's involved?

Without trying to justify the 6% or so fee, realtors do add value in a variety of situations. For the seller, they offer marketing and showings while one is working, help with maintaining an orderly due diligence and closing process, and often provide excellent advice on pricing and mortgage offers....
by WhyNotUs
Sat Aug 20, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 36
Views: 4521

Re: Vanguard Personal Advisor Services

I got one for free a few years ago and thought it was a great check in. For me, it was a way to get my wife bought into plan and part of the discussion rather than just saying "I trust you, you handle it". Thinking through tax situations was helpful. I cannot say that I followed the advice...
by WhyNotUs
Sat Aug 20, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Sienna van keys
Replies: 6
Views: 994

Re: Sienna van keys

My dealer was a few more dollars than the alternative but I love my local Toyo dealer and put my dollars with them for most things. No way that I would buy one that I could not try immediately. My wife drives the Sienna and loves it.
by WhyNotUs
Fri Aug 19, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: non profit scholarship fund wishes BH advice
Replies: 10
Views: 438

Re: non profit scholarship fund wishes BH advice

I serve on a modest endowment fund for a local NPO. When joining, my first effort was to work with the group to develop an investment policy. That give one a chance to work through the types of investments that will be available, an AA, cost philosophy, and other needed policies. Ours was developed ...
by WhyNotUs
Thu Aug 18, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Loan for Owner Occupied Multi-Family
Replies: 4
Views: 364

Re: Loan for Owner Occupied Multi-Family

When you say mfh, that means 4 or more units to me, as opposed to a duplex. Duplexes have more choices. 25 basis points is a good deal in today's world given how low rates are especially. Is your issue the 25% down? If so, you might be looking at private financing which will be higher interest.
by WhyNotUs
Tue Aug 16, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3222

Re: vacation ideas - October

Minneapolis- walks along the Mississippi, shows at the Guthrie, visit to Prince's state, leaves in full color, Mall of America, good light rail for getting around, and excellent music scene.
by WhyNotUs
Tue Aug 16, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Cordless battery powered yard tools?
Replies: 21
Views: 1561

Re: Cordless battery powered yard tools?

I live in the mountains and only have a small "yard" and lots of natural landscape some of which I need to trim. The corded mower was okay but had an aluminum blade that had trouble keeping up with the demands of our weeds. It lasted a couple years and then I could not find a small engine ...
by WhyNotUs
Mon Aug 15, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 262
Views: 29507

Re: Self-made Millionaires: how did hitting 7 figures change you?

It made me feel more free in supporting charities that my wife and I support.
It made it more comfortable to help with down payments or creating an emergency fund for adult children.
Allows us to better support family members struggling with health issues.
by WhyNotUs
Mon Aug 15, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: real estate housing question/dilema
Replies: 13
Views: 1206

Re: real estate housing question/dilema

Why add an extra move to your life while it is changing so much? When the new home are built and you can see them, take your time and find one that is really going to work for you. Offer a contract contingent on sale of your existing home at a minimum price and go from there. It is probably hard on ...
by WhyNotUs
Sat Aug 13, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: $67 Auto Lease??
Replies: 12
Views: 1583

Re: $67 Auto Lease??

I bought a new Ford Focus years ago for my daughters. It was a great little car. Was in the big city for a family gathering and read the paper over breakfast and saw an incredible deal on this car. I read the fine print and it was only available on that day between 10 am and 2 pm for that price (abo...
by WhyNotUs
Fri Aug 12, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Southern California Real Estate Planning
Replies: 7
Views: 649

Re: Southern California Real Estate Planning

The difference between buying a builder home versus buying a lot and hiring an architect really comes down to how clear you are about what you want and are willing to engage in the design versus whether a few changes to an existing builder floor plan will work. You are not far enough along to know t...
by WhyNotUs
Thu Aug 11, 2016 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor, what's involved?
Replies: 26
Views: 2347

Re: Buying a house without a realtor, what's involved?

Typically the buyer prepares the contract and thus has the terms and due diligence deadlines set in a manner that can work for them. Realtors have a standard form that they use, a real estate attorney will be able to prepare the contract with you and talk you through the terms. Either then buyer or ...
by WhyNotUs
Tue Aug 09, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: ideas on how to cheaply retire part time in kauai?
Replies: 5
Views: 870

Re: ideas on how to cheaply retire part time in kauai?

Might require a bike. There is a Foodland at Princeville Center and the units at Sandpiper are pretty reasonable for sale. I would not buy however. I would look for a furnished rental, that way you can change your mind without the costs/hassle of buying and selling.
by WhyNotUs
Tue Aug 09, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 4495

Re: Talking about the Bogleheads approach with non-Bogleheads

Unless one of my friends asked, they would never know my approach to investment. If they ask, I share a pretty simple overview. If they ask for specific advice, then I give it my best.
by WhyNotUs
Mon Aug 08, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: flipping houses
Replies: 31
Views: 3266

Re: flipping houses

If I had $350k that I wanted to put into flipping, I would look into being a hard money lender.
by WhyNotUs
Fri Aug 05, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Do I Need to Tell My Apartment About My Cat?
Replies: 17
Views: 1246

Re: Do I Need to Tell My Apartment About My Cat?

If you want to find out why they have a pet charge, simply buy a unit and rent it out. When you have the carpets cleaned and there is still that odd smell that ends up requiring taking up the carpet, treating or replacing the underlayment, and replacing a section of the carpet you might understand t...
by WhyNotUs
Tue Aug 02, 2016 11:22 pm
Forum: Personal Consumer Issues
Topic: major remodel: regrets or things you'd do again
Replies: 54
Views: 4293

Re: major remodel: regrets or things you'd do again

we are currently looking at a 400k construction budget but may stretch as high as 675k on a 50's midcentury modern home. we live in a HCOL area. already on our list: redoing all major systems (electrical, plumbing, HVAC) new kitchen redoing all the bathrooms thanks! Suggestions: • Really understand...
by WhyNotUs
Mon Aug 01, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Real Estate Deal
Replies: 22
Views: 1162

Re: Advice on Real Estate Deal

1.) is this a good deal? One would need to know more about the condition of the house, comparison of other houses in the area, days on market for sales, etc. to have a solid opinion. I do not see anything in the info that you have presented that would make me stop looking into it. If you are doing a...
by WhyNotUs
Mon Aug 01, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 4930

Re: Retaining wall on neighbor's property

I would greatly appreciate feedback on the following three questions: (1) Should we attempt to move the wall or just demolish it and convert the entire area to grass? The privacy bushes were already crowded by the old wall. If the new wall is moved completely onto our property, they may or may not ...
by WhyNotUs
Tue Jul 26, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Sailing -- cost?
Replies: 36
Views: 6574

Re: Sailing -- cost?

There are a number of crew websites to look for opportunities to crew on a sailboat. Since heading down the ICW is not really sailing, they might take a green crew member. You will mostly be looking out for shifting shallows and other traffic. That would be cheapest version. Also cruisersforum. If I...
by WhyNotUs
Sun Jul 24, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: Vacationing in the Caribbean
Replies: 26
Views: 2686

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: 57
Views: 4490

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: 1260

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: 1260

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: 1959

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: 3564

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: 3289

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: 1444

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: 1598

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: 1676

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: 1932

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: 1997

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: 84
Views: 7775

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: 2057

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...

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