Search found 1351 matches

by WhyNotUs
Sun Dec 09, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3148

Re: Attic insulation-R30 to R60 worth it?

I direct your attention to the first graph, which explains what I was saying. It's referencing a "Wall" but insulation is insulation vertical or horizontal. Let the Link wars begin... :? Insulation values savings in walls and ceilings are not the same. Extra insulation in ceilings has higher benefi...
by WhyNotUs
Fri Dec 07, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 2878

Re: Travel now & work a bit longer, OR the other way around?

Both, travel now and later. Work an extra year or two. Most importantly, tell you children what a great job it looks like being a flight attendant or pilot for an airline that offers free travel benefits for parents so that you will have free air travel :D Can't help you with Galapagos on the cheap,...
by WhyNotUs
Fri Dec 07, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 2933

Re: Climate Concerns re: small Jersey Shore Vacation Home

This would most likely be a small 1 or 2-bed condo inside a large to medium-sized condo building, but we wouldn't rule out purchasing a small house. One upside of a condo is that you are pooling your risk and thus may get a little better pricing. I would look for the second floor and above :-) My q...
by WhyNotUs
Mon Dec 03, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Renting out 1st first home; how to get mortgage for second?
Replies: 40
Views: 3314

Re: Renting out 1st first home; how to get mortgage for second?

What is the home in CA worth? Debt to equity? How much is TX home?
Might be able to do a cash out refinance on the CA home and pay cash. Could you qualify for that loan?
Debt on a rental can have some benefits.
Don't lie to lender about what you are doing though, be straight.
by WhyNotUs
Mon Dec 03, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6039

Re: Advice on Divorce Settlement Options

Not saying what I did was the best financially but it worked out well for my ex and I. Hi there, Question 1 -- IRA and ROTH IRA There is a ROTH IRA in my name and a Traditional IRA in my wife's name. Let's say my ROTH is worth about $120K and my spouse's traditional IRA is worth about $90K. I funded...
by WhyNotUs
Fri Nov 30, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2373

Re: Guy's Western US Ski Trip - suggestions?

Stay in Aspen, ski at Snowmass.
by WhyNotUs
Tue Nov 27, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 2867

Re: Time to buy/lease an electric or hybrid?

Seems like your goal is to get in the faster lane, low cost commuting, and a manageable monthly. A Solara should go for another few years before the costs get really high, assuming normal maintenance so you should have some time to deal shop. I have a Leaf and a good friend has a Volt. The Volt feel...
by WhyNotUs
Mon Nov 26, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6211

Re: Broken Sewer pipe - $10,000 to fix

+1 for the tool below. You referred to it as a "main" but it is probably a service line. The sewer provider will usually deal with issues on the main but the service line is homeowners responsibility in places that I have lived or worked. Camera will help you figure out what is happening. If there i...
by WhyNotUs
Mon Nov 26, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 56
Views: 5649

Re: Driving a car [in] Italy, any suggestion?

I generally choose not to rent a car but have done it. Outside of the large cities it is no big deal. Rome convinced me that trains and hiring drivers was my best choice in most circumstances. +1 on small cars. Here is a parking space that I recently came upon in Portugal http://i64.tinypic.com/245y...
by WhyNotUs
Mon Nov 26, 2018 12:22 am
Forum: Personal Consumer Issues
Topic: Travel To Cuba - Tips
Replies: 17
Views: 1869

Re: Travel To Cuba - Tips

Your request is hard to respond to as it is so general, so here are some very general responses. Cuba is a very large island and you did not say anything about your interests. • Almost everything is easier and less expensive if you are competent with Spanish. If not, you will be okay but will spend ...
by WhyNotUs
Sun Nov 25, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Best MVNO for Verizon Network - any updates?
Replies: 30
Views: 1992

Re: Best MVNO for Verizon Network - any updates?

Formerly did PagePlus and Kitty but ended up back on VZ prepaid for more data. First line is $40 and $30 for additional lines with unlimited talk and text and 3 Gb with carry over
https://www.verizonwireless.com/prepaid/#mix-and-match
by WhyNotUs
Sat Nov 17, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Update Re: Hubby soon to be laid off
Replies: 26
Views: 4903

Re: Update Re: Hubby soon to be laid off

Happy to hear of your success
:D :moneybag
by WhyNotUs
Wed Nov 14, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4585

Re: Accuracy of Zillow/Trulia/Redfin Estimates

I doubt that the Zillow people would expect people to use their algorithm- based valuation to price their unit for sale.
by WhyNotUs
Mon Nov 12, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 112
Views: 13609

Re: Are We In A Real Estate Bubble?

The real answer is no one knows but for conversation: The upper middle of the market will probably soften quite a bit and prices will flatten or decline if interest rates continue to rise. People who have high enough income to buy a larger home but not enough wealth to pay cash are likely to feel th...
by WhyNotUs
Mon Nov 12, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2013

Re: Best city car

Pretty hard to beat a prius for that type of use.
by WhyNotUs
Sat Oct 27, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4767

Re: Vehicle recommendations for long commutes in CO mountains

No longer own a Suby as I went electric but it is the perfect CO Mtn Car according to your criteria and many other people's criteria in similar setting.
Outback would increase your mpg about 20%.
by WhyNotUs
Mon Oct 22, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 93
Views: 5903

Re: Personal Adventure - recommendations

You have a lot more blue water under your belt than I! Here is a story about the Habitat homes that survived the hurricane: https://www.washingtonpost.com/politics/panhandle-houses-intact-after-michael-were-often-saved-by-low-cost-reinforcements/2018/10/17/d3ca97c0-d152-11e8-b2d2-f397227b43f0_story....
by WhyNotUs
Mon Oct 22, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25889

Re: PSA: Don't buy a big house

Signs that things require reconsideration: Own a couple large gas hog autos or SUVs on lease or credit Own a house larger than 3,000 sf Own a second home that you never have time to visit Higher income that you ever imagined but still cannot save 15% Have a watch that costs as much as your first yea...
by WhyNotUs
Mon Oct 22, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 47
Views: 8506

Re: Lufthansa Premium Economy

I really like lufthansa for going across the pond. A noticeable difference from US carriers. The benefits of PE were worth some additional money but not double the economy fare. The level and quality of service in both economy cabins was night and day above American, Delta, or United. I recently sig...
by WhyNotUs
Sat Oct 20, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5356

Re: Spoke with a CFP...underwhelming!

1. Most of the session was pats on the back on how 'well' I was doing, which I thought was nice for the first minute, but not looking to blow up my head. I'm just earning and saving, the same thing anyone else in America could do if they cares. When there's an actual will, there's a freaking way. N...
by WhyNotUs
Thu Oct 18, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 93
Views: 5903

Re: Personal Adventure - recommendations

How about living in a gym and pounding nails? There will soon be a major building effort in places like Mexico Beach FL and Habitat Homes fared better than most in Michael. They will need plenty of hands and there are good physical and mental challenges ahead. One of my daughters went to coastal Mis...
by WhyNotUs
Mon Oct 15, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Thinking about a cruise to Cuba
Replies: 3
Views: 633

Re: Thinking about a cruise to Cuba

Time of the year? Peak hurricane season is a bit sketchy in Cuba as the huge island is a regular target. At the same time, they are world leaders in medical response to hurricanes. I would go during winter for climate and hurricane reasons. It is also very hot in much of Cuba in the summer. Not a dr...
by WhyNotUs
Sun Oct 14, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 52
Views: 3887

Re: Cancun in a few weeks

+1 Isla Mujeres
by WhyNotUs
Sun Oct 14, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Thinking about a cruise to Cuba
Replies: 3
Views: 633

Re: Thinking about a cruise to Cuba

I have not been on a cruise but sailed there two years ago. Cuba was wonderful, interesting, complex, and maddening all in one. If you dive or snorkel, look into side trips there as the reef is in better shape that most places, especially the southern side. If you eat on shore, keep your expectation...
by WhyNotUs
Sun Oct 14, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1598

Re: secure land for donation for county park

Conservation easement- do you have a local land trust? If so, contact them.

Do the homework to assess viability for building. Purchase subdivide, donate lot for put in and then sell the buildable portion

Work with county or advocacy group (rivers, trout, user groups) to seek funding for purchase
by WhyNotUs
Fri Oct 12, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1900

Re: Key West Hotels

We stayed at the Truman and enjoyed it on our last trip there. You did not say much about what you were looking for in a hotel so it may or may not be a good choice for you. We were looking for a place that was convenient walking to Duval/Mallory/etc. and nice but not too expensive for KW prices. Th...
by WhyNotUs
Mon Oct 08, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Outdoor Furniture
Replies: 9
Views: 1151

Re: Outdoor Furniture

We love our polywood set. 10 years old, out all year in harsh winter and big sun and still looks great. I check if I need to tighten the bolts every couple years and that is it. Not cheap but a long term value
by WhyNotUs
Fri Oct 05, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2660

Re: Bareboat Charter in BVI

Why not just rent a power yacht?

You could probably find someone to rent you a sailboat as there are people out there chartering without a clue but if something goes wrong you would be ill-prepared to deal with it and thus put yourself or others at risk.
by WhyNotUs
Mon Oct 01, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Asphalt driveway replacement
Replies: 21
Views: 2063

Re: Asphalt driveway replacement

The fact that you still have a usable driveway after 30 years suggest that you have a pretty good base and drainage, two things that can shorten the life of a driveway. I would look for a asphalt company that has been around about as long as your driveway and get an estimate from them. They can quic...
by WhyNotUs
Mon Sep 24, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4615

Re: Investing in the Rare Opportunity

If I liked the business and am committed to the helping achieve success over the next five years, then I would let it ride.
by WhyNotUs
Sun Sep 23, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Nursing Home/Medicaid issues
Replies: 10
Views: 1120

Re: Nursing Home/Medicaid issues

Presumably, your FIL has a person who will serve as their Power of Attorney. That suggests that person is someone who they trust and respect. I would talk to that person and see if they can speak with FIL to try to help him navigate good decisions. Obviously a scary time and a lot of change for some...
by WhyNotUs
Sun Sep 23, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Property Advice
Replies: 3
Views: 344

Re: Investment Property Advice

I think that if you review your post you will see that your question cannot be answered with the info provided in a meaningful way. In very general terms, those seeking RE investment accept the risk of leverage (debt) in order to make the cash on cash return justify the risk. I would encourage you t...
by WhyNotUs
Sat Sep 22, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2660

Re: Bareboat Charter in BVI

The advantages of a monohull are at sail. They cut a better line and are funner to sail. Cats are the bomb when you drop anchor, comfort, more privacy, better common spaces. They are fun to dive/snorkel from, people love stargazing from the trampoline, etc. If your trip is just jumping from ball to ...
by WhyNotUs
Fri Sep 21, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7909

Re: Hubby soon to be laid off

FWIW, I would keep a laser focus on Medicare/health insurance issue. The cost of private health insurance for those in their 60's is staggering. My first target would be getting on medicare ASAP. If that requires a wait, then I would see what my company can offer through severance and COBRA. Renting...
by WhyNotUs
Wed Sep 19, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Avoid Capital Gains on Real Estate
Replies: 9
Views: 1168

Re: Avoid Capital Gains on Real Estate

Selling the entire property, including my house, is definitely a possibility and something that I would entertain. I am not sure how attractive that would be to a potential buyer. As I understand, if you sell the house and the lot split off the original property within two years of each other, then...
by WhyNotUs
Wed Sep 19, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1350

Re: Attic Insulation Removal/Replacement Costs

I installed R-60 several years ago and the difference is quite notable. The summer experience is very impressive. We leave the windows open during cooler nights and close them in the morning. Until about 6 pm one would think that we were using a swamp cooler. I spent a little less than $1,000 DIY on...
by WhyNotUs
Tue Sep 18, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Concrete company refusing to lower bill
Replies: 22
Views: 2013

Re: Concrete company refusing to lower bill

Bone up on construction lien's in your state and the process for someone to post one if you are going to write off the situation.
by WhyNotUs
Tue Sep 18, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable fee charged by financial planners?
Replies: 30
Views: 2286

Re: What is a reasonable fee charged by financial planners?

In my limited experience there is a flat annual fee and an hourly fee for meetings. My only experience was for a niece who inherited quite a bit of money. She ultimately rejected my proposed direction but I did the homework. These are 8 year old numbers from a HCOL area based on my recollection. $2,...
by WhyNotUs
Tue Sep 18, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. EJ vs. Fidelity
Replies: 13
Views: 1091

Re: Vanguard vs. EJ vs. Fidelity

VG or Fido would be fine. If there is a walk-in office for Fidelity in your town, that might be the easiest way to move forward. Both offer low cost target retirement date funds that are great.
by WhyNotUs
Mon Sep 17, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3618

Re: Anyone hire an interior designer?

vveat wrote:
Mon Sep 17, 2018 9:03 pm
I have used an online design service 3 times. Here is the link
http://www.interiordesignserviceonline.com/
Interesting, I am bookmarking that for a future house warming gift.
by WhyNotUs
Mon Sep 17, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3129

Re: How to determine quality of a finished new construction home

Hi, Can you recommend things to watch for to determine if a done new construction home is low, average or high quality? A general contractor of custom homes is usually a manager of various subcontractors that do much or most of the work. During due diligence ask for a list of those subcontractors b...
by WhyNotUs
Wed Sep 12, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3701

Re: Bike computer or Apple Watch?

How quickly this has escalated from replacing an old cyclemeter to $750 pedals that require changing before a ride and charging :-) As long as we are making things way too complicated, there may be a triathlete watch out there that would work for scuba and biking :beer Good luck Texasdiver! While I ...
by WhyNotUs
Mon Sep 10, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose a real estate agent?
Replies: 24
Views: 2171

Re: How to choose a real estate agent?

The top things that you need from a realtor are: A comprehensive market analysis of your area to price the home properly Advice on the minimum you need to do to prepare the home for prompt sale A marketing plan with specific commitments for what they will do during the life of the listing to get it ...
by WhyNotUs
Mon Sep 10, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid Capital Gains on Real Estate
Replies: 9
Views: 1168

Re: Avoid Capital Gains on Real Estate

Unless your income is huge, the 15% capital gains tax is a small price to pay to get in and out of a hot market without actually doing much work. You will need to do a subdivision or lot line adjustment to create your new developer ready lot that would make it practical to develop, if I followed you...
by WhyNotUs
Mon Sep 10, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3701

Re: Bike computer or Apple Watch?

While I agree with Elysium, the fact the OP uses several bikes makes watts metering less practical than cadence. At least with the technology that I am aware of. Cadence is the most important info for non-mountain bike riding IMO. Cadence is what can make a rider efficient. I do not know of anything...
by WhyNotUs
Mon Sep 10, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4689

Re: $250,000 family loan to parents?

People are making this way to complicated. A simple home loan to your parents, sounds like a primary mortgage. It has the benefit of being truthful, simple, and protects everyone. Why make it more complicated than that? Give them time to process the changes in their life and ease out of the old hous...
by WhyNotUs
Mon Sep 10, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid Capital Gains on Real Estate
Replies: 9
Views: 1168

Re: Avoid Capital Gains on Real Estate

However, why not sell all of it (house and land) to the developer, at the same time, which would then allow you to legitimately apply the residential sale gain exemption of the 500k? Ace Not really, the OP is buying a separate parcel and thus it is not part of primary residence. Now one could go th...
by WhyNotUs
Mon Sep 10, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid Capital Gains on Real Estate
Replies: 9
Views: 1168

Re: Avoid Capital Gains on Real Estate

Does not pass a sniff test. There might be a deferral option through 1031 and you would clearly want to load up the primary to optimize use of $500k tax-free (assuming you are married).

You are wise to contact a tax person before doing anything.