Search found 124 matches

by Silver Bullet
Tue Oct 30, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial lease to federal gov’t
Replies: 7
Views: 718

Re: Commercial lease to federal gov’t

Maintenance responsibility (full service) Termination clauses (already stated and agreeable) Renewal options (already stated, but I’d like to give them a more favorable rate for extended lease) Purchase options (hasn’t been brought up. Does GSA typically want a purchase option?) Tax payments. (Incl...
by Silver Bullet
Tue Oct 30, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial lease to federal gov’t
Replies: 7
Views: 718

Re: Commercial lease to federal gov’t

dm200 wrote:
Tue Oct 30, 2018 5:07 pm
I think I might engage someone with experience in federal contracts to assist you.
That’s what I’m doing. See above post. :sharebeer
by Silver Bullet
Tue Oct 30, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial lease to federal gov’t
Replies: 7
Views: 718

Re: Commercial lease to federal gov’t

Thanks - that's very helpful! Any specific "gotchas"or areas where you think there's flexibility to negotiate? I guess more specifically, does GSA negotiate these or do they submit them and it's a "take it or leave it"? I'm happy to discuss via pm, phone or email if you don't feel comfortable postin...
by Silver Bullet
Tue Oct 30, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial lease to federal gov’t
Replies: 7
Views: 718

Commercial lease to federal gov’t

I have a piece of commercial property that a federal agency has approached us to lease short term (less than a year). GSA is involved and I’m trying to become educated on how to structure a short term tenant like this, in hopes that they’ll stay long term. Good news is that they need it now and we’r...
by Silver Bullet
Sat Oct 27, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4649

Re: Vehicle recommendations for long commutes in CO mountains

Tacoma. And they hold their resale very well.
by Silver Bullet
Mon Oct 22, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2305

Re: House has major repair issues right after buying... options

Hopefully they're first floor showers!
I agree with dm200's comments about the contractor who did the renovation. There may some recourse there.
by Silver Bullet
Mon Oct 22, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2305

Re: House has major repair issues right after buying... options

I'm guessing you had an inspection done, but the inspector didn't pick up on this. Any chance you purchased a homeowners warranty policy? My guess is that there is really no recourse - although I'd definitely discuss with the flippers and see if they'd do the right thing and offer to help with fixin...
by Silver Bullet
Fri Oct 19, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5059

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

There is a lot of misinformation in this thread. PTO is different than vacation. Vacation is paid out while PTO is not. There may be slight differences depending on locality but this is how is works in most locales. It definitely depends upon the state/commonwealth. Virginia relies upon the contrac...
by Silver Bullet
Fri Oct 19, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5059

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

I was brought on as a temp and got converted to perm staff recently. That conversion was just a memo, no official contract... How recently did you begin? Have you actually accrued any vacation time? Our company policy (we're in an "at-will" state) doesn't allow for paid leave to be paid at terminat...
by Silver Bullet
Fri Oct 19, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 936

Re: Replace roof or wait .... and

What's the likely sales price of the home? My initial inclination would be to paint and re-roof the house (if indeed it needs new shingles), but do not go with the top of the line shingles. If you are going to sell the house in a year, the mid-range shingles will still be in great shape and look go...
by Silver Bullet
Fri Oct 19, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Most economical high-quality car wash
Replies: 13
Views: 1472

Re: Most economical high-quality car wash

I'm a clean car nut and almost always wash/wax them myself. There are times when it's cold or I'm traveling that I can't take the time for a full proper wash. In those cases, I'll typically run through a brushless car wash. I keep 2-3 quality microfiber towels and a bottle of Speed Shine in the trun...
by Silver Bullet
Fri Oct 19, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 936

Re: Replace roof or wait .... and

Thanks all. I have a couple of real estate friends that sell most of the homes in the area. Both say that putting the new roof on will help it sell faster because of curb appeal and a new roof warranty. It's a big, expensive job. As questioned above, there's a lot of intricate roof (sprawling ranche...
by Silver Bullet
Fri Oct 19, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 936

Replace roof or wait .... and

Our home is 36 years old and has had cedar shakes the entire period. We've had them replaced, cleaned, waxed, etc. over the years, but it's time for a new roof. Home is well maintained, but needs an exterior facelift and paint job. Decided on CertainTeed Grand Manor, which will run about $50,000 ins...
by Silver Bullet
Thu Oct 18, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 16801

Re: Where would you go for financial guidance if you win the Megamillions?

Don't bother with small change. Skip this Friday and play for 3 commas next week. Victoria My winnings would never make it to 3 commas, so I'm playing now. :D Ticket would go into a double trust to avoid (not eliminate) identity. Outside of that, not much would change. DW has always wanted cows, so...
by Silver Bullet
Mon Oct 08, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4816

Re: Sellers remorse - selling business

SilverBullet - If you have decided to sell, I think that is the right call for the reason you gave in one of your 2017 posts: Selling the business will probably add years to her [DW] life - and that's very important to our family. (I think I'm getting to my answer talking through this!). I can alwa...
by Silver Bullet
Sun Oct 07, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4816

Re: Sellers remorse - selling business

Thanks for everyone's thoughtful opinions. I've been on both sides of enough deals to know that we'll pull the trigger and get this one done. It would be expensive and stupid to not close this transaction. All the hard work is done (negotiating, audits, etc) and we're down to pulling together Schedu...
by Silver Bullet
Sat Oct 06, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4816

Re: Sellers remorse - selling business

OP you need to go back and look at your very first post on this forum and read that thread again. Ha! Yeah, I read that last night before posting. It's actually one of the things that sparked this post. A year later, valuations have continued to grow and DW has scaled back from the business. Good r...
by Silver Bullet
Sat Oct 06, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4816

Re: Sellers remorse - selling business

You can sell and pocket the money and start the next episode after 2 years...everybody happy. Well, to read too much into the OP's situation, it sounds like the wife would like him to not work. I know my mother was annoyed my father picked up a part-time job 6 months after retirement and would grum...
by Silver Bullet
Fri Oct 05, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4816

Re: Sellers remorse - selling business

I was faced with a similar situation a number of years ago. 1. Imagine . . . 2-5 years from now . . . thinking that you "should have" sold and retired earlier. 2. The business will always be worth more . . . so when do you stop? 3. It may not happen right away. But, as time goes by there comes the ...
by Silver Bullet
Fri Oct 05, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4816

Re: Sellers remorse - selling business

I definitely can’t control the economy, nor unforeseen health issues, no doubt about it! Those two together might increase the risk of declining value to 20-25% (or more), which isn’t insignificant. Maybe I just suck it up, do my non-compete time for a few years and then consider jumping back in to ...
by Silver Bullet
Fri Oct 05, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4816

Sellers remorse - selling business

After owning our business for many years, DW and I are close to signing on the dotted line to sell our business. It’s a significant, life changing, “won the game” transaction. Low 8 figure range. That said, I’m getting cold feet. Business is great, profits are at an all time high and we’re building ...
by Silver Bullet
Thu Sep 20, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: LLC for Consulting and minimizing personal liability
Replies: 2
Views: 351

Re: LLC for Consulting and minimizing personal liability

"Through my research we have developed and patented a new technology.." Reading through your post, this phrase stood out. Specifically, who is "we" and who owns the patent? You or the healthcare system/your employer? Generally, employment agreements have standard language asserting the employers rig...
by Silver Bullet
Thu Sep 13, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2226

Re: 401k "advice" to my associates

OP here. Thank you all for the thoughtful recommendations. It's hard to convey "tone" online, but I'm pretty easy going when it comes to most conversations with associates - this one included. That was my thought process behind soft serving up some "retirement, savings, financial independence" type ...
by Silver Bullet
Wed Sep 12, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1493

Re: Vacation to San Francisco, Yosemite, Sequoia

Have any friends that work at Google?
https://www.tripsavvy.com/googleplex-th ... ew-2993763

My daughter (14) just took a class trip this spring that mirrored yours, but they added a day tour at Google. Yosemite and Google we’re the highlights of their 10 days.
by Silver Bullet
Wed Sep 12, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2226

Re: 401k "advice" to my associates

Keep your messages simple. They know how to google and find info on the web when the time comes Just make is clear that you encourage everyone to participate and make sure they understand how it works. Points I'd make in your shoes: 1) surprised that participation in the plan is a low as it is, and...
by Silver Bullet
Wed Sep 12, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2226

Re: 401k "advice" to my associates

I've beat these ideas around with my executive team for years. Bottom line, you can lead a horse to water.....yada yada I love the idea of us (employer) just putting money into their 401k plans - we've actually tried that a couple of times - but then you have a few that haven't gone through the pape...
by Silver Bullet
Wed Sep 12, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2226

Re: 401k "advice" to my associates

HEDGEFUNDIE wrote:
Wed Sep 12, 2018 3:29 pm
Are you sure you have the full story? They could have student loan or credit card debt to pay down.
No, I'm positive I don't have the full story!
by Silver Bullet
Wed Sep 12, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2226

401k "advice" to my associates

As a principal at our company, I typically talk to our associates each year about the importance of saving for retirement. We have a company sponsored (and contributing) 401k plan and it always amazes me how few of the younger associates don't participate or don't max out their contributions. Our sa...
by Silver Bullet
Wed Sep 12, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15962

Re: iPhone XS Max

I went from the 6S + to the 8P earlier this year. Skipped over the 7 series - just didn't see the need and couldn't justify the cost spread over such a short period of time. The 8 does everything I need it to and I can't see upgrading anytime soon - and I spend a LOT more time on my iPhone texting/e...
by Silver Bullet
Mon Sep 10, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Partner's Billboard Rights
Replies: 16
Views: 1875

Re: Buying Partner's Billboard Rights

With 3 partners, it sounds like you've valued the billboard at $360,000. Would you be willing to buy the other partner out?
I agree with others that the initial price seems high. It might be prudent to have the billboard valued by a professional.
by Silver Bullet
Mon Sep 10, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be a contractor or employee (from an investing perspective)?
Replies: 7
Views: 841

Re: Should I be a contractor or employee (from an investing perspective)?

I'm not a CPA or accountant, but I have owned LLC's for many years. If your business is currently set up as an LLC, the income is taxed on your personal returns, which I'm sure you already know. But my understanding is that the IRS requires us to take a "reasonable" salary out of the LLC. Not sure h...
by Silver Bullet
Thu Aug 30, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

5. throw away all your dishes, cups, silverware. You can go to Ikea and replace everything for cheap and have matching stuff again I’m gonna disagree with this one. The goal is to discard excess stuff that isn’t used; not to get rid of stuff in order to replace it with other stuff. I’ve had the sam...
by Silver Bullet
Thu Aug 30, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

Wait two years until work is no longer an issue and your daughter is out of the house. This will be very disruptive to both. It's the only life and home your daughter has known. Spend the time deciding what you want to keep, and strategize around your eventual approach. I think you're jumping the g...
by Silver Bullet
Thu Aug 30, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

letsgobobby wrote:
Thu Aug 30, 2018 11:58 am
hope you’ll update in a year or so.
Absolutely! I'm sure you'll hear about it continuously!
by Silver Bullet
Thu Aug 30, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

One other possibility, don't forget the power of "Free". Put a "Free" sign out and set items by it near the curb. Things don't last long in our neighborhood. You see this more in the spring, but people put out "Free" items all summer. Love the idea and I'm sure a lot of what is disposed, will actua...
by Silver Bullet
Thu Aug 30, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

Here's a contrarian view. I know someone kind of like you, house full of fancy furniture and lot of just... stuff. If I had all the money he had blown on just pure nonsense, I would be retired and I'm under 40. To me, a person that ends up in your and his situation is probably impulsive. And your a...
by Silver Bullet
Thu Aug 30, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

Thanks everyone. We'll keep you posted.
The first step for us is to stop adding to the mountain! Easier said than done, but we're trying.
I did clean out my first book case over the last couple of nights. Felt great!
by Silver Bullet
Thu Aug 30, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Wildlife Removal:
Replies: 16
Views: 1705

Re: Wildlife Removal:

Have-A-Hart traps, peanut butter, pellet gun and plastic trash bag. Put the trap in the attic with some peanut butter on a slice of celery or cracker. Once a day, go up in the attic with the pellet gun, "dispatch" the varmint, place him in a plastic bag in the dumpster. Repeat the next day until the...
by Silver Bullet
Wed Aug 29, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4282

Re: Bone in my food

You never did say what customer service said when you called. This reminds me of the Wanda Sykes joke about her car repair. I'd get banned if I showed a link or told the joke, but that was one of the funniest jokes ever told. Had tears running down my face for 10 minutes! Don't believe me? Google it...
by Silver Bullet
Wed Aug 29, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Well, that was an expensive lesson (FA related)
Replies: 19
Views: 2972

Re: Well, that was an expensive lesson (FA related)

You learned your lesson - so $3,000 is pretty cheap in my opinion.
by Silver Bullet
Tue Aug 28, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

I’m pretty good with paperwork as I’ve had my own business for almost 30 years. I’ll start with the garages first. That’ll make the DW very happy and also give us room in the detached garage to stage stuff that’s going to be eliminated. Anyone want a pool table and baby grand?! 🙄
by Silver Bullet
Tue Aug 28, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

3-20Characters wrote:
Tue Aug 28, 2018 2:03 pm
1. Buy new place (smaller)
2. Move (taking only items you want/need)
3. Estate sale and sell house
4. Deposit check from house sale into portfolio
I like this plan a LOT! I’ll add # 5
5. Retire and go fishing. 😄
by Silver Bullet
Tue Aug 28, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

More interested in how'd you find the time to accomplish this feat? Hire someone to help? It's a slow, gradual process that took several years (and is still ongoing to a lesser degree). I not only downsized my stuff, but also downsized my time commitments by figuring out what activities were worthy...
by Silver Bullet
Tue Aug 28, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 7544

Re: Unique Phone Apps that you find yourself using most often?

SkyView Lite for star/planet gazing.
Grandkids love it and so do I!
by Silver Bullet
Tue Aug 28, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Re: Mega Downsize....

I loved the "friends" idea, but was thinking that my friends would never show up....
Sounds like we have the same friends. Of course, they'd be happy to come help get rid of some my finer bourbons and scotches!
by Silver Bullet
Tue Aug 28, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8585

Mega Downsize....

DW and I have decided (along with our high school daughter) that's it's time for a major "downsize/declutter" mission. We've honestly been pack rats and gatherers for the past 20 years and it has to stop - NOW! :D This is not going to be an easy accomplishment. It's not so much that the things we've...
by Silver Bullet
Tue Aug 28, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28516

Re: What to do after losing $117k in stock market?

inbox788 wrote:
Mon Aug 27, 2018 1:34 pm

This is an old thread, but when I saw this, it reminded me of "George Costanza Does The Opposite"

https://www.youtube.com/watch?v=cKUvKE3bQlY

You just have to pick your stocks, but invest in the opposite!
"My name is George, I'm unemployed and live with my parents." CLASSIC! :D
by Silver Bullet
Mon Aug 27, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3588

Re: Best ultra thin pocket knife?

I can't contribute much to the investment side of this site, but I definitely know "pocket knives" and hand torches (flashlights)! I'm addicted to both. :mrgreen: My EDC (Everyday Carry) is a Chris Reeves Mnandi. Nice sized true pocket knife. Solid blade that holds an edge well. They come in a varie...
by Silver Bullet
Mon Aug 27, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: How do you make use of this boglehead.org?
Replies: 20
Views: 2341

Re: How do you make use of this boglehead.org?

I'm but a mere mortal compared to the many gods on this site. Incredibly appreciative of their thousands of hours of the time and energy devoted to our mutual benefit. Over the past year, I've "received" much more than I've given back, but my promise is to turn those tides in the not to distant futu...
by Silver Bullet
Mon Aug 27, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 46
Views: 6851

Re: New Jack Bogle Book!

Can't wait to read his newest book! Just pre-ordered/pre-paid. Thanks for posting!
Now: Can you remind me in March that I already ordered it? :D