Search found 667 matches

by WhyNotUs
Mon Feb 01, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2468

Re: Where to Stay in San Francisco?

Having a car is an expensive obstacle, unless you are planning on touring the region then it is not worth it. There are even day bus trips to Napa if you want to go there. We like staying in Union Square when we are going for theater, food, shopping. There is good access to cable cars and other tran...
by WhyNotUs
Mon Feb 01, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Which app/plan do you use to make calls to overseas?
Replies: 40
Views: 1623

Re: Which app/plan do you use to make calls to overseas?

I use Skype, mostly because I bought $10 in credits and it is taking a while to use up that credit. Have not had issues with quality and used it from all over Vietnam. I was surprised at some of the places that I could find wifi.
by WhyNotUs
Tue Jan 26, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Thinking about Hulu
Replies: 16
Views: 1364

Re: Thinking about Hulu

Tr the free 30 day trials for each and then decide what works for you.
by WhyNotUs
Sun Jan 24, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Buenos Aires and Macchu Picchu?
Replies: 27
Views: 2938

Re: Buenos Aires and Macchu Picchu?

Walking the trail into Machu Picchu is what made it worthwhile for me. If I had taken a train and then bus to MP I think I would have not enjoyed my experience so much. YMMV. The trail is definitely for those with experience at altitude and distance trail hiking. For those of us with some years unde...
by WhyNotUs
Sun Jan 24, 2016 12:50 am
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 5378

Re: What was the 2000 crash like in real time?

Black Monday in October 1987 was the big one- 22% decline in a single day. There were seemingly no buyers only sellers. I was gambling in OEX options then and it was a wipeout. Unforgettable. Learned a valuable lesson though and became an investor after that.
by WhyNotUs
Fri Jan 22, 2016 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Decipher real estate series of event
Replies: 6
Views: 961

Re: Decipher real estate series of event

The bank that received it will be listed as the new property owner and that should be a public record. There is no harm in approaching them with your interest although it may be tough to get ahold of someone who can give you solid information. There is often confusion until the loan manager meets wi...
by WhyNotUs
Tue Jan 19, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Real estate investment for newbie
Replies: 23
Views: 1839

Re: Real estate investment for newbie

Between biggerpockets and bogleheads you will get a cross-section of the opportunities and woes of landlording. I had to smile when you said that you were looking for "passive" income. If after looking through all of that you are still interested in real estate and what it to be passive-is...
by WhyNotUs
Wed Jan 13, 2016 12:29 am
Forum: Personal Consumer Issues
Topic: Wedding anniversary in Maui
Replies: 24
Views: 2197

Re: Wedding anniversary in Maui

A couple comments on other posts, Maui revealed is a very controversial guidebook that includes routes that trespass and lead people into necessarily dangerous situations. Google "Maui Reviled" Bike riding down Haleakala is the subject of great concern due to the injury rate and conflicts ...
by WhyNotUs
Wed Jan 13, 2016 12:23 am
Forum: Personal Consumer Issues
Topic: Wedding anniversary in Maui
Replies: 24
Views: 2197

Re: Wedding anniversary in Maui

Hello All, - We would like to see as much of the island as possible without filling up our schedule too much since we want to spend most of it relaxing by the pool/beach. In my opinion people spend way too much time driving all over Maui when they only have a short trip. You are wise to think about...
by WhyNotUs
Sat Jan 09, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Functional front yard ideas
Replies: 7
Views: 669

Re: Functional front yard ideas

I work in a related field and have done my own plan, I hope to implement it all before I die :-). 0.5 acres is a lot of area to plan and improve. Given your budget, you might not be able to do everything now. A few suggestions to get you started Learn the rules 1.) Are you in a subdivision? If so re...
by WhyNotUs
Thu Jan 07, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Vacation Deal
Replies: 9
Views: 914

Re: Vacation Deal

bookit.com
cheapcaribbean.com
are my go to sites to look for cheap Mexico trips
by WhyNotUs
Tue Jan 05, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: anyone have any exerience with mold on hardwood floors?
Replies: 6
Views: 320

Re: anyone have any exerience with mold on hardwood floors?

I would start with a moisture test to see if there is a water source that you are not seeing. Mold suggests to me that the problem is coming from below. If not, you can use concrobium for a couple weeks while keeping the floor dry. If you get the floor refinished, it is another chance for concrobium...
by WhyNotUs
Sun Jan 03, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 1933

Re: Minivan or SUV?

Just sold the previous Sienna with 234,000 miles and bought a "new" one with only 95,000. It is great to pop the seats out and haul materials for home improvement projects, carry the dog in style, or insert the bed that I made for camping. Don't know about current models but the older mode...
by WhyNotUs
Sat Jan 02, 2016 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons of Nolo Willmaker software
Replies: 6
Views: 893

Re: Pros and Cons of Nolo Willmaker software

why not just add a codicil naming the new executor to amend your existing will?
by WhyNotUs
Tue Dec 22, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy in Honolulu
Replies: 24
Views: 2677

Re: Rent or Buy in Honolulu

I would rent and commit to funding a taxable account that will be a future large down payment once I am able to commit to a location. The transaction cost and illiquid nature of real estate prevents someone with a 3 year horizon from making a commitment to purchase. In addition, the expected rising ...
by WhyNotUs
Fri Dec 18, 2015 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 8366

Re: dilemma over house division during legal separation

You could also craft an agreement in which you pay the house payment while they live there and agree to sell the house when the kids get to age XX or one of you remarries. She should be granted X% of the equity based on current equity. A couple friends of mine did that but there children were 12 and...
by WhyNotUs
Tue Dec 15, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 14084

Re: Boglehead cell phone strategy

I am happy with the $30 a month plan from Page Plus. I was recently planning a trip to Africa and was surprised to learn that I have $10 a month in free international calls. That helped with resolving a few issues in trip prep. Eventually I hope to get to the $12 a month plan but use the phone for b...
by WhyNotUs
Mon Dec 14, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with rental house we don't want anymore but is profitable
Replies: 22
Views: 2686

Re: Dealing with rental house we don't want anymore but is profitable

would not recommend borrowing against the house you will in to the solve the remote house issue. It just complicates your future and adds risk. Ultimately, it sounds like you would be fine selling for what you owe on it. If that is true and the house is cash flowing, then I think you are looking for...
by WhyNotUs
Sat Nov 28, 2015 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Elderly in-laws moving in: what to consider?
Replies: 66
Views: 9037

Re: in-laws moving in

+1 for Being Mortal

My mom passed before her AZ got very far. She was with us the last 7 years of her life. Lots of work, also rewarding. Definitely not for everyone but rapid response to ship people off needs a little alternative perspective.
by WhyNotUs
Tue Nov 24, 2015 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella- Almost Too Good to be True
Replies: 36
Views: 4365

Re: GEICO Umbrella- Almost Too Good to be True

$174 a year and includes sailboat and attached rental.
by WhyNotUs
Fri Nov 20, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Home buying question vis-a-vis septic rating
Replies: 34
Views: 1927

Re: Home buying question vis-a-vis septic rating

There are a variety of approaches for required septic tank and leach field size. One common approach is based on the number of bedrooms. The idea being that if you assume 2 people per bedroom and XX gallons of waster per person and a target number of days for the tank to hold waste then you can size...
by WhyNotUs
Thu Nov 19, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Intuit Quicken 2016 - Is it just me or?
Replies: 11
Views: 1504

Re: Intuit Quicken 2016 - Is it just me or?

I use the worst version of Quicken that I have seen- Essentials. I can download .QFX files and import them but the direct download is not workable for me. Quicken is an expensive checkbook register at this point rather than a financial tool. Hoping that the new owners will make it work again as I ha...
by WhyNotUs
Wed Nov 18, 2015 11:46 pm
Forum: Personal Consumer Issues
Topic: Yeti cooler - Worth the money?
Replies: 29
Views: 3758

Re: Yeti cooler - Worth the money?

I was prepared to buy a Yeti this year until I watched a You Tube video that tested the top brands and a $40 Coleman Extreme (the blue 5 day model with no wheels). I bought the coleman and that model worked well for desert camping. Have not taken it on a river trip yet but will. https://www.youtube....
by WhyNotUs
Mon Nov 16, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 6778

Re: Credit card hacked, what we learned

We got skimmed in Peru and Chase did a great job contacting us and dealing with it before we even returned. We have notified them of our travel plans in advance. We were in a small town in the mountains and told our cab driver that we needed to use an ATM. My Spanish was good enough to ask why we pa...
by WhyNotUs
Mon Nov 16, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have advice for renting a single family home?
Replies: 40
Views: 2469

Re: Anyone have advice for renting a single family home?

There is no real way to answer how much work it will be for you as the driving factors are your tenants and home repairs/maintenance costs. There are countless threads on this site sharing rental property math, nightmare stories, and happy campers- none of which will determine how it will go for you...
by WhyNotUs
Sun Nov 15, 2015 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.
Replies: 147
Views: 6477

Re: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.

some thoughts • Have you run a FAFSA estimator to see what your EFC really looks like? It might not be as big a deal as you think. • Have you met with a private college financial aid counselor? Your local HS college counselor can probably give you a referral? If you are looking to "game" t...
by WhyNotUs
Fri Nov 13, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Asphalt driveway - Temporary patch for depressed area in front of garage
Replies: 24
Views: 1537

Re: Asphalt driveway - Temporary patch for depressed area in front of garage

Cold patch is a good temporary fix but don't let it lure you to sleep. You are basically filling a pot hole and we all know how long that lasts. Your plow driver is likely to remove some of the material this winter. You can buy a small hand tamper or hire someone who has one. Sounds like you have a ...
by WhyNotUs
Wed Nov 11, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Rental Car (30+ days) on Oahu
Replies: 10
Views: 736

Re: Rental Car (30+ days) on Oahu

Book cars 28 or so days at a time and return to the rental agency. There are lots of good reasons to do this- price and insurance

http://www.discounthawaiicarrental.com
by WhyNotUs
Tue Nov 10, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: When To Justify Expensive Wants?
Replies: 79
Views: 6399

Re: When To Justify Expensive Wants?

Nissan is firesaling Leafs right now so you can be thrifty and buy an electric car. Based on my state's tax credit, a friend is in the process of buying a 2015 for a net of $11,000. The 2016 model has greater range so they need to get rid of the 2015s. I have 22,000 miles on mine and think it is a f...
by WhyNotUs
Tue Nov 10, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: How to sell exercise equipment?
Replies: 30
Views: 2075

Re: How to sell exercise equipment?

I sold a hang upside down machine on Craigslist. Got a few of those spam responses but also someone who wanted it. A key to the sale for me was that I sold it at the "I am done with it and want it out of here" price rather than the "gee I paid $300 for this thing" price.
by WhyNotUs
Sat Nov 07, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 123
Views: 16023

Re: Best albums of 2015

Nathaniel Rateliff and the Night Sweats makes my best new band pick. Seeing them live is too much fun.
by WhyNotUs
Sun Nov 01, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: Driveway Easement
Replies: 15
Views: 1624

Re: Driveway Easement

It is a matter of convenience and not new land use rights so you can't really use per sf or per acre land costs. You did not mention the length or size of lots but you can start by just telling you neighbor your goal and see what they say. Sometimes people will want some plantings for their property...
by WhyNotUs
Sun Nov 01, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation questions
Replies: 41
Views: 3194

Re: Hawaii vacation questions

If we decide to stay in Honololulu, will we have a chance to see beautiful nature that is typically associated with Hawaii? Or will we have beaches and a typical American city atmosphere? We will rent a car and would not mind driving. You would most likely stay in the Waikiki area. It has a beautif...
by WhyNotUs
Sat Oct 31, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: Can anyone help with a mountain bike purchase?
Replies: 29
Views: 1835

Re: Can anyone help with a mountain bike purchase?

Yes to bike sales now October and May are great times to buy a bike around where I live. Last purchase was 40% off as I went for a 29er in your price range. It has been a lot of bike for the $$. I selected it for the components and that has worked out. I bought a cross bike and 29er in recent years,...
by WhyNotUs
Sat Oct 31, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 4641

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

"What were some of your best decisions in your kitchen remodel? Or biggest mistakes? If you splurged on anything, how did it turn out?" We did not really have any splurges, the things that people often splurge on were turn-offs to me due to high initial and ongoing costs. Best Fixing defic...
by WhyNotUs
Sat Oct 31, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation questions
Replies: 41
Views: 3194

Re: Hawaii vacation questions

Planning to go to Hawaii with kids in Jan. Is Maui or Honolulu preferred? We like to explore and not spend the entire day on the beach. Does Maui have anything going on except nature activities? Are there a lot of good restaurants? Thanks. You question about "except nature activities" is ...
by WhyNotUs
Thu Oct 29, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 7212

Re: Worth Upgrading to LED Lighting?

3000k
60w equivalent
non-dimmable at local Lowes

Image
by WhyNotUs
Thu Oct 29, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to SS regulations in new funding bill...
Replies: 154
Views: 10048

Re: Changes to SS regulations in new funding bill...

Once it is ready for the President's signature, this will be a more useful discussion of details. Big picture is the F & S is about to be reformed. Expect more reforms to SS to try to limit strategies that maximize benefits in the future as the system struggles with demographic change. I just tr...
by WhyNotUs
Mon Oct 26, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 7212

Re: Worth Upgrading to LED Lighting?

Was just at Lowes at they had 60w equivalent LED bulbs for 99 cents each. The floods are below $5 each.
Doesn't require much thinking now, just do it with regard to bulbs.
by WhyNotUs
Sun Oct 25, 2015 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to Compare Rental Property vs 60/40
Replies: 7
Views: 773

Re: How to Compare Rental Property vs 60/40

I would be surprised if you find one that isn't based on someone trying to promote one or the other. They are apples and oranges and one usually tries to find things with more in common for meaningful comparison. Owning index funds is very passive and low cost. They can be sold in a day or in minute...
by WhyNotUs
Sat Oct 24, 2015 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin's exterior colors not approved by local home committee
Replies: 41
Views: 4287

Re: Mountain cabin's exterior colors not approved by local home committee

"Can a Committee like this enforce something that is not in the original CC&Rs if they state that their objective is to enforce the CC&Rs attached to all properties?" Maybe, maybe not. It depends what authorities are granted in the CC&Rs or whether supplements were approved by ...
by WhyNotUs
Mon Oct 19, 2015 8:30 am
Forum: Investing - Theory, News & General
Topic: 2008 Market Crash, Did You See It As Opportunity?
Replies: 60
Views: 4236

Re: 2008 Market Crash, Did You See It As Opportunity?

I was more confident in the housing rebound than market. While I saw the market as low, I would not have predicted the pace of return to previous levels. Did increase new investment in TSM but was really jazzed about residential real estate at the time since the lack of available credit put me in an...
by WhyNotUs
Thu Oct 15, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Do You Insist that Contractors Itemize?
Replies: 19
Views: 1708

Re: Do You Insist that Contractors Itemize?

When someone makes a bid they need to cover themselves for problems. One can suggest a time and materials basis if they want to shift that risk to themselves.
by WhyNotUs
Tue Oct 13, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: Worth repairing a dishwasher?
Replies: 22
Views: 1550

Re: Worth repairing a dishwasher?

I followed a youtube video on cleaning my strainer/filter, thanks for the reminder it is time to do it again, and have had great luck with proper cleaning. Given that you are not draining, I would look there as a start.
by WhyNotUs
Tue Oct 13, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Permeable Pavers for driveway: Experience?
Replies: 5
Views: 881

Re: Permeable Pavers for driveway: Experience?

I have worked on projects that used permeable pavers but not at my own home. In those situations the lowest cost solution was asphalt = x, concrete= 3x, exposed agg = 3 x, pavers = 4x, permeable pavers 5x (rough # for sense of scale). Grasscrete and permeable concrete are two other potential options...
by WhyNotUs
Wed Oct 07, 2015 10:26 pm
Forum: Personal Consumer Issues
Topic: buying foreclosure advice
Replies: 8
Views: 981

Re: buying foreclosure advice

Make sure you can get it well below market or it is not worth it. You are likely to have a llooonnnggg process with fewer due diligence opportunities and perhaps a less decreeable title commitment.
by WhyNotUs
Mon Oct 05, 2015 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Electric Vehicle Tax Credit Strategy
Replies: 1
Views: 286

Re: Electric Vehicle Tax Credit Strategy

Wow, I did not realize that about the EV credit. My tax liability was larger than the credit but I now know to caution others about this. If you do your own taxes, you can use last year's form to play some scenarios out to see what works. If you are within $700 (or so) as you would have been last ye...
by WhyNotUs
Mon Oct 05, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: New house decision
Replies: 15
Views: 1687

Re: New house decision

You would need to estimate your annual retirement spending and multiply to reflect withdraw rate for me 25x for 4%. If you plan to spend $200k per year in retirement at 4% that would mean $5M or at 3% $6.6M. If you keep investing 30% of current gross into retirement and assume 30 years of 5% growth ...
by WhyNotUs
Mon Oct 05, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: New house decision
Replies: 15
Views: 1687

Re: New house decision

Depending on the lender you can use lot as collateral if it is paid for. If the lot does not equal 20% of total value then you would need to cover the difference. You post triggered a long held wonder of mine. People will insist on a custom home but just grab any old lot in a subdivision to build it...
by WhyNotUs
Wed Sep 30, 2015 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Plan of Action for Rental Property?
Replies: 6
Views: 712

Re: Plan of Action for Rental Property?

Looks like your options are out of the "frying pan and into the fire" with regard to complexity and stomach churning arrangements.

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