Search found 802 matches

by renue74
Sun Aug 20, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 13
Views: 622

Re: Possible January trip to Naples, Italy / Amalfi Coast

DW and I went to Italy 2 years ago. Venice, Florence, Rome and Pompei. We took a Rick Steves tour for the first 3 cities and then at the end...took the fast train down to Naples and the regional train over to Pompei for a day. We didn't stay in Naples very long....but after our Pompei visit, we took...
by renue74
Sun Aug 20, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: HVAC scam?
Replies: 10
Views: 1209

Re: HVAC scam?

You know a replacement blower motor & capacitor, DIY, is typically $80-$150? Also, based on your description is sounds like you may only need a new start capacitor (under $15). This usually isn't a very difficult job, and requires little or no specialized HVAC knowledge. Here's an example of what's...
by renue74
Sun Aug 20, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a 2nd Mortgage vs Combining into one new note
Replies: 5
Views: 333

Re: Adding a 2nd Mortgage vs Combining into one new note

I have owner financed an office condo I used to own and am going through a similar situation. I'm not sure if the law changes from state to state, but this is what my closing attorney is doing. 1.) I have a note where the buyer has about $25K in equity. 2.) Buyer came to me and wants to borrow $20K ...
by renue74
Sun Aug 20, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 259
Views: 20966

Re: KF's Worst Case Retirement Plan [KlangFool's]

Congrats. It seems health insurance is the major wild card for many contemplating retirement.

My wife is 47 and I'm 43. She's a school teacher and I get my insurance through her. I anticipate 55 or so for retirement and always kid with her that we can never get divorced! :D
by renue74
Sat Aug 19, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 20
Views: 2065

Re: Frozen steaks ordered through the mail

We have a few local farms who sell whole beef cuts....various steak cuts...cut, wrapped in paper, and ready to freeze. We don't eat enough red meat to justify that, but we have friends who actually go in together and split the meat. They rave about steaks and roasts. You might want to source locally.
by renue74
Sat Aug 19, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Help Painting Wood.
Replies: 9
Views: 733

Re: Help Painting Wood.

1. Zinnser 1-2-3 primer
2. Let dry and sand with 100 grit sand paper
3. High quality latex paint

Use a paint sprayer if you don't wish to have any brush marks.
by renue74
Thu Aug 17, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2543

Re: popcorn ceiling, removal or drywall over it?

Asbestos materials were banned in 1977. If this ceiling was done after that, you're safe.

If you do test it and it has asbestos, you could be looking at thousands of dollars to properly remove it through an abatement company.
by renue74
Thu Aug 17, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 31
Views: 2714

Re: Credit score dropped 100 points overnight

I can see my credit score through credit karma, discover card, capital one, my credit union and several other credit cards I can't remember offhand. My score is different by 100 points between them pretty often. I churn credit cards, have no revolving credit but pay everything on time and have no l...
by renue74
Wed Aug 16, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund in Taxable... ok for me?
Replies: 27
Views: 1655

Re: Bond Fund in Taxable... ok for me?

I actually have this "bond fund in taxable account" problem too. A few years ago, I reallocated everything and over time have set up our Traditional IRAs and 403b to handle only bonds....but my AA still needs some allocation of bonds in our taxable account. From what others said here, being in the 2...
by renue74
Tue Aug 15, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 33
Views: 3148

Re: Kitchen Remodel Price/Contractor Dispute

It's amazing how many projects we go through with $ disputes. I just had a guy quote me $400 to remove building/remodeling debris from a jobsite. He ended up trying to charge me $600 because it "was more than I thought." That was the straw that broke the camels back with me. Now...ANY...project I su...
by renue74
Sun Aug 13, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 3600

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

I'm not sure you can predict the market....so why do this?

Let your tenants pay your mortgage...that's the best solution.
by renue74
Sun Aug 13, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6517

Re: It's easy to have an investment plan until you get punched in the face

TheHouse7 wrote:
Sun Aug 13, 2017 9:02 pm
I sold all my PSX after a 10% drop. Learned a ton early on and haven't stopped since that lock in of loss. (Holding 20% in bonds at 30) :|
Did your plan tell you to do that?
by renue74
Sun Aug 13, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Paint vs. Stain on fiberglass door
Replies: 11
Views: 742

Re: Paint vs. Stain on fiberglass door

I actually didn't know you could stain a fiberglass door until I read this. Whenever we paint anything, we typically get 2 or 3 paint samples and paint patches. If the door has some type of graining, it may be worth a test to see if you like it. Choose a small panel on the door and get some gel stai...
by renue74
Fri Aug 11, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 17
Views: 1800

Re: Redfin

Since 2000, I've always said real estate was ripe for disruption on the web. Some folks have tried to change the 6% system...discount brokers, etc. That real estate agent world is very close knit when it comes to protecting their %. I've gone through multiple FSBOs and recently even sold a rental pr...
by renue74
Thu Aug 10, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1770

Re: Best at Home Safe

My father-in-law had a HUGE safe....one like you would see in grocery stores back in the 60s, 70s, 80s. When he passed away we got it. The thing easily weights 3000 lbs. and is on casters. We hired a towing/wrecker company to pick it up and deliver it to our garage. When it's moved, I have to use a...
by renue74
Thu Aug 10, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1602

Re: Advice on picking a dentist

If you just want a cleaning and not a dentist, consider either using one of those introductory-price coupons that dentists use to get new patients or see if there is a school for dental hygienists near you. You could also go to a dental school, but you would probably have to have two appointments, ...
by renue74
Thu Aug 10, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1770

Re: Best at Home Safe

My father-in-law had a HUGE safe....one like you would see in grocery stores back in the 60s, 70s, 80s. When he passed away we got it. The thing easily weights 3000 lbs. and is on casters. We hired a towing/wrecker company to pick it up and deliver it to our garage. When it's moved, I have to use a ...
by renue74
Thu Aug 10, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5727

Re: Delta priority boarding - first timer

Please for Pete's sake...can we get a "this thread has run it's course." :?
by renue74
Tue Aug 08, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4122

Re: Deja Vu.. are there too many houses for sale?

I'm not sure where you're located, but in the Charlotte area home inventory is very tight and bidding wars are the norm for some neighborhoods. What's different from 2007? • Home inventory is tight. All the smaller, local builders who were building in the mid-2000s are not building now. Either they...
by renue74
Tue Aug 08, 2017 7:49 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4122

Re: Deja Vu.. are there too many houses for sale?

I'm not sure where you're located, but in the Charlotte area home inventory is very tight and bidding wars are the norm for some neighborhoods. What's different from 2007? • Home inventory is tight. All the smaller, local builders who were building in the mid-2000s are not building now. Either they ...
by renue74
Fri Aug 04, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 1663

Re: Fence Boundary Issue

In my city before you install a fence, you must get a building permit and they come out and inspect the fence after installation. You're also required to locate utilities through a free locator service that comes out and paints/marks the electric, gas, and water lines before you dig. If you used a f...
by renue74
Fri Aug 04, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Making a Direct Offer to Purchase a Home
Replies: 28
Views: 2373

Re: Making a Direct Offer to Purchase a Home

I've bought and sold FSBO houses before. If I were the homeowners and wanted top dollar for my home, I would "interview" 3 real estate agents and get their estimate on the listing price for the house.....especially considering it's not a cookie cutter home and does have some custom upgrades. I would...
by renue74
Wed Aug 02, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo investing
Replies: 32
Views: 4317

Re: Beach condo investing

I bought a crack house duplex rental property 2 years ago. Really...you walked in and the walls were smoke stained from cooking...making drugs. Bought it from $25K....put $14K into a rehab....and did a ton of work ourselves. Turned it into a 35% cash on cash ROI in 8 months.....had $39K into the thi...
by renue74
Wed Aug 02, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Cabins - "investments" or "consumptive purchases"
Replies: 38
Views: 2945

Re: Cabins - "investments" or "consumptive purchases"

I have aunts/uncles who always try to get us to go to their beach condo they never use. I have inlaws who have a permanent camper at the beach and a really nice lake cabin about 90 minutes from us. The running narrative is that everybody we know who has 2nd pieces of leisure property seems to always...
by renue74
Tue Aug 01, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 1842

Re: Any problem leaving a hole in ceiling of garage?

I actually have a hole in my garage ceiling from a water leak in the bathroom. I will patch it, but it's not high priority for me. The one thing is the hole could remotely be a place for birds to fly into if you leave your garage open. Also, my ceiling actually has insulation in it....so the drywall...
by renue74
Mon Jul 31, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1414

Re: Florence Hotels.......

Hotel Silla. Good amenities and close to everything.
by renue74
Wed Jul 26, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking up with my Financial Advisor
Replies: 56
Views: 4670

Re: Breaking up with my Financial Advisor

I broke up in April 2015. I had actually given this advisor 2 other referrals and she was a fine advisor. She was independent and didn't milk my portfolio...but she did charge 1 to 1.5% depending on the size of the portfolio. I simply emailed her because that was our normal mode of communication. We...
by renue74
Tue Jul 25, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Best Legal Structure?
Replies: 23
Views: 1903

Re: Rental Property - Best Legal Structure?

Most landlords I know simply pump up their umbrella policy in addition to the insurance on the properties.

That's what I did. Added all my rentals to my umbrella.

Banks hate dealing with LLCs and rental property when mortgages are in play.
by renue74
Tue Jul 25, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3636

Re: Golfers - need to ramp up ASAP!

I played golf when I was single and fresh out of college....played 2x to 3x per week. (No wife, girlfriend, in a new town, with days off during the week)...it was a perfect storm. I shot in the low 90s and occasionally 80s......but I also went to the practice range at least 2x per week on top of pla...
by renue74
Mon Jul 24, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Rental Property By Ourselves
Replies: 15
Views: 913

Re: Selling Rental Property By Ourselves

You should also have an agreement as to what type of modifications he can do to the building since he might remodel the building in ways that would be problematic if you get the building back. I also did this with my seller financed deal on an office condo. If the property is foreclosed, the origin...
by renue74
Mon Jul 24, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Rental Property By Ourselves
Replies: 15
Views: 913

Re: Selling Rental Property By Ourselves

I have sold 2 pieces of property with owner financing. One was an office condo and the other a rental property/duplex. One thing you will also need to look at is the loan servicing. Make sure to ask your accountant what you need to supply the buyer for the loan. Will you need to send monthly invoice...
by renue74
Sun Jul 23, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Bermuda beach hotel recommendation
Replies: 4
Views: 374

Re: Bermuda beach hotel recommendation

My wife and I took a long weekend vacation there. We stayed at the Fairmont Hamilton...which is in the town...It was a great hotel. We got upgraded to the gold area and had personal 4pm tea time everyday, a private lounge and our own concierge that was apart from the rest of the hotel. The Fairmont ...
by renue74
Fri Jul 21, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 3815

Re: Is there any reason not to? [4% Checking]

I used a Google sheet and tracked this during the Western Union card promos last year. It was a huge headache and my Ally account was frozen a few times. I don't think I got all the $ benefits I was supposed to. Just a huge pain. I also did this with a TD Bank promo last year. Same deal...in the beg...
by renue74
Thu Jul 20, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2790

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

We just spent a week in Sanibel Island. Great beaches, great sea shell hunting (best ever).

With little kids and the heat of Florida....water has to be in play.
by renue74
Wed Jul 19, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord update
Replies: 9
Views: 1567

Re: Accidental landlord update

Most tenants think like this. Let it go...especially if you're selling and getting out of landlording. We typically do find issues in our rentals that require some type of rehab. Recently I had a tenant start cleaning up at the end of their lease, but stopped in the middle and walked out.....leaving...
by renue74
Tue Jul 18, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) help
Replies: 13
Views: 723

Re: 403(b) help

No...sorry. My wife's school district is very small. One high school, 2 middle schools, and about 4 elementary schools. They only gave her about 5 options and the NEA was not one. She does have access to the state pension program and contributes 8% to that. I think most teachers choose that option a...
by renue74
Tue Jul 18, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) help
Replies: 13
Views: 723

Re: 403(b) help

Aspire is truly your best choice. We went through this last summer with my wife's school district. Amazingly, they just gave me the AXA advisor's name and I drilled him about expenses. He was the son of a district manager in the school system. Not sure how "conflict of interest" never came...
by renue74
Mon Jul 17, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 2664

Re: Humid basement

We have a walk out basement and after we purchased the home from the original owners decided to have duct work added there. 1.) Get an HVAC company to perform a Manual J load analysis This will verify whether your existing unit on the 1st floor will be OK to add additional vents for the basement. 2....
by renue74
Fri Jul 14, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 1872

Re: Recommendations...Italy

We actually took the Rick Steves tour to Venice, Florence, and Rome a couple years go. I think it was $7K for 2 of us. We did it in June and it was hot, but we are from the south and it felt the same at home. I enjoyed the trip and the tour was great. We are in our mid 40s and the group was fairly s...
by renue74
Thu Jul 13, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6521

Re: Cheap eggs... how bad?

The price difference may only be the issue from store to store. You should look at the label....Grade A, AA, B are all regular supermarket eggs. If you are comparing these eggs between supermarkets, there are no differences in the treatment of the actual hen laying the eggs. If you go up a type and ...
by renue74
Thu Jul 13, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 3891

Re: Hotel tipping: how much to leave?

I never knew people tipped the cleaning people. I never have.
by renue74
Wed Jul 12, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7236

Re: Do you consider business travel to be a perk or a burden?

Done my fair share of business travel...mostly domestic. I'm 43 and really started traveling at 25. At first it was nice to see new cities and I would have the opportunity to go 1 day early or stay a long weekend. But, as life changes, girlfriends, wife, tougher business demands, kids, house, etc. b...
by renue74
Wed Jul 12, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: guideline.com for small business 401K?
Replies: 9
Views: 436

guideline.com for small business 401K?

[Thread merged into here, see below. --admin LadyGeek] Has any small business owner actually started working with guideline.com for their small business 401k? If so, initial thoughts? I know it's fairly new and I've searched this site as well as FINRA's site and google searched, but cant' find any ...
by renue74
Mon Jul 10, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Non-profit accepting debit/credit cards - cost?
Replies: 12
Views: 842

Re: Non-profit accepting debit/credit cards - cost?

Paypal has a non-profit rate which is lower than most. I think it's around 2.2% + $0.30 per transaction.
by renue74
Sat Jul 08, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6726

Re: Shopping for first bike since I was a kid

bogleheads.org has the best bike buying advice in past threads on the subject. And still craigslist is a great way to go. You can get 3 or 4 great bikes for the price of new. What to get? Please read the other threads. $400 for tooling around bikes should be fine for 3 or 4 used bikes. I got a tita...
by renue74
Fri Jul 07, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Residential Home for $125K. Rent for $1,400 / mo.
Replies: 43
Views: 2677

Re: Residential Home for $125K. Rent for $1,400 / mo.

Rental Analysis: https://docs.google.com/spreadsheets/d/1V2lMgvZWJdrDaY5-Ew3xQfOZmk4eroVss602emFLzNI/edit?usp=sharing Yeah....I love my spreadsheet. Within seconds, I can vet a property and then test. I think I stole it from a guy at biggerpockets a few years ago. Thanks for the sheet, it gives a r...
by renue74
Fri Jul 07, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: What do you use to capture/save web pages for archival purposes?
Replies: 9
Views: 682

Re: What do you use to capture/save web pages for archival purposes?

I'm on a Mac. I use "shift-command-4" and take a screenshot. All my screenshots are saved to my dropbox folder called "Screenshots" automatically.

I can then view screenshots across all my devices, laptop, phone, ipad.
by renue74
Fri Jul 07, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Residential Home for $125K. Rent for $1,400 / mo.
Replies: 43
Views: 2677

Re: Residential Home for $125K. Rent for $1,400 / mo.

Not worth the effort. You're paying too much for the property. Rental Analysis: https://docs.google.com/spreadsheets/d/1V2lMgvZWJdrDaY5-Ew3xQfOZmk4eroVss602emFLzNI/edit?usp=sharing Typically...I look for potential rental property that is 16% or more in COC return. I have some in the 30-40% range. T...