Search found 1267 matches

by WhyNotUs
Sun Jun 17, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3466

Re: Larry Swedroe: Rediscovering The Size Effect

It must be exhausting coming up with all of these topics to write about. Larry, give yourself some time off. Set it and forget it.
by WhyNotUs
Sat Jun 16, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4400

Re: African Safari: Worth it or Hype?

Really depends on you. Are you more like the people who enjoyed it or the unimpressed? I was really glad to have done it. We did not have much in the way of anticipation. Our first several days were at a luxury camp that was open to Krueger park. Our experience there was remarkable. Our lodging was ...
by WhyNotUs
Thu Jun 14, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Architectural Services and Fees - advice needed
Replies: 7
Views: 623

Re: Architectural Services and Fees - advice needed

Do some homework on the issues related to meeting code, especially insulation before you get set on container home, if you have not already done so. I am watching a painful learning curve on a project near my house as the owner bought the containers after reading an online site. I doubt he saved any...
by WhyNotUs
Wed Jun 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2204

Re: Learning how to fix/repair things

Youtube is better than most books. Look for better production quality and good comments to streamline selection.
by WhyNotUs
Wed Jun 13, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Maui Hikes
Replies: 11
Views: 592

Re: Maui Hikes

Sliding Sands to Halemau'u
Waihe'e
PoliPoli cloud forest
Pipiwai
Mahana Ridge if you are staying out west
Kapalua Coastal (more of a walk but very nice)
by WhyNotUs
Mon Jun 11, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Pre 65 Retirees - Healthcare
Replies: 21
Views: 2029

Re: Pre 65 Retirees - Healthcare

$2200 per month for a $6500 copay in my area. Increasing annually...
by WhyNotUs
Wed Jun 06, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 5718

Re: Need advice on 1st international vacation

+1 for western europe, intl travel 101. If your first instinct is Rome and your spouse agrees, then I would not look any farther. I have travelled to six continents and we try to least learn polite phrases for introduction, asking whether the other person speaks english, and thank you/good bye. Some...
by WhyNotUs
Wed Jun 06, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Home Reno, your objective opinion please.
Replies: 34
Views: 2781

Re: Home Reno, your objective opinion please.

I would start by right-sizing your addition. First, I would look at program needs for your family and flow through the home with an architect to get the right program and functions. Next, I would look at the market and make sure that what I was designing fit in the middle of the market. If you lot i...
by WhyNotUs
Sun Jun 03, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 42
Views: 3317

Re: 6 hour layover on Heathrow

We faced this dilemma a couple months ago with 8 hr layover and in the end we decided to just enjoy a couple lounges/naps in the airport instead. We have been to London though. When we were considering it, our focus was on either a walking tour of Paddington or hiring a driver. We were in the early ...
by WhyNotUs
Sun Jun 03, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Getting an appraisal before making an offer
Replies: 16
Views: 1090

Re: Getting an appraisal before making an offer

From my perspective, that puts you in a good position. You can negotiate, increase your cash up front or exit the deal.
by WhyNotUs
Sun Jun 03, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Getting an appraisal before making an offer
Replies: 16
Views: 1090

Re: Getting an appraisal before making an offer

You can make an offer contingent on financing- i.e. an appraisal that will support a mortgage of $XXXXX and no more than X% interest rate with XX% down. That makes it contingent on the appraisal supporting the value. As for SF, the Town/City/County will have a property card that lists heated sf and ...
by WhyNotUs
Sat Jun 02, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 2754

Re: June in Paris: What to (or not to) wear, see and do?

My wife and I are celebrating our 40th anniversary in France. I am curious about whether shorts and collarless shirts are ok for men? Are shorts ok for women? We will be in France (mainly Paris) and I would appreciate some suggestions for some offbeat things to see or do. I am a shorts kind of guy ...
by WhyNotUs
Fri Jun 01, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 2999

Re: Cheapest ways to watch NBA playoffs

Sling has a 7 day free trial
by WhyNotUs
Thu May 31, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11656

Re: To be or not to be complex, that is the question

I think that there are inherent conflicts with simplicity for those who earn income from fees on other people's investments. Buffett is one of the few to work in the field and still recommend simple index portfolio to others. Once an individual is out of the field, it is easier for them to recommend...
by WhyNotUs
Wed May 30, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5022

Re: Splurging on the NBA finals

I have done both and won both times. In 1985, I was in LA on business and the Celtics and Lakers were having Game 4 of the finals and I splurged on a ticket. Dennis Johnson hit a basket as the game ended to win what many think was one of the great NBA playoff games. Lakers ended up winning the serie...
by WhyNotUs
Wed May 30, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11656

Re: To be or not to be complex, that is the question

Simpler is better. Less is more. Rick Ferri I read the board for a while as I struggled with my native desire to think that I could out think the average. Each time Taylor posted his long list of quotes I would read them again and continue modest moves toward three funds. Then when I realized that ...
by WhyNotUs
Wed May 23, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Negotiating for Residential Solar
Replies: 11
Views: 887

Re: Negotiating for Residential Solar

I have three systems, one of which is Sunpower. It was my preferred supplier but I got a deal too good to pass up. Sunpower had an issue with an inverter system a while back, that system is 9 years old for me. Mine lasted beyond warranty but went out before the expected life cycle. Sunpower stood be...
by WhyNotUs
Wed May 23, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitor
Replies: 12
Views: 1461

Re: Heart rate monitor

Mine is FItbit Charge HR, they are about $100 so not the $30 kind. The desktop they provide has been surprisingly useful to me. I am very intrigued by the sleep data as much as anything. Much greater understanding of why my life forces vary. Learning to be a better sleeper. They have enough data to ...
by WhyNotUs
Wed May 23, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1675

Re: Rental car in Denver, CO

If you are planning to spend the first night in Denver, then you can book a hotel near a train stop and pick up a car nearby the next day.
If you use a major brand you can usually return to the airport without extra charge.
by WhyNotUs
Wed May 23, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1841

Re: Babymoon - Hawaii Recommendations/Expected Costs

If you are a Costco member, I would go on their website and look for a package for either- Turtle Bay Hilton on O'ahu or a Kapalua Gold unit on Maui. There are non-stops from Chicago to either location. Have fun!
by WhyNotUs
Mon May 21, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1286

Re: Converting property in to neighborhood park. Trust needed?

Donating to the government takes away property tax and liability concerns. First step is to see the minimum lot standards for the zone district in which the property lies. Then you can draw lines on a survey to indicate what might be donated, then meet with Councilperson or their representative. The...
by WhyNotUs
Mon May 21, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 32
Views: 3702

Re: Upstairs Bungalow Remodel / Bathroom Addition

Thanks for the replies everyone. We have decided to go for adding the bathroom. I was kind of in the corner of the "how much will we use it" camp, while the wife was more firmly in the "we should definitely do it" camp. Well, last night when a friend was occupying our bathroom, and after a couple o...
by WhyNotUs
Mon May 21, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4450

Re: Buying a Vacation Rental Property as an Investment

Anyone ever invested in a vacation rental property? If you have did it work out? Yes, had a loser in HI and a winner in CO. The difference was largely timing, externalities, and going into the second one better informed. Parents would go 50/50 on the downpayment with me (20%). They would basically ...
by WhyNotUs
Sun May 20, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 15028

Re: I’m still not a fan of international bond funds

I'll disagree with you on this one. Vanguard does succumb to the demands of the marketplace. Jack Bogle has spoken about this openly, and I've had the same conversation with several high level executives at the company who confirmed this in confidence. The fact is, Vanguard offers many funds that i...
by WhyNotUs
Thu May 17, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 9217

Re: Solar panels

As for energy inflation....I would not be surprised if it was negative over the next 10-20 years. Numerous new ways of making energy cheaply have been fielded recently, and are being rapidly built out. What do you expect to happen in that case? While my crystal ball does not tell me electric rates ...
by WhyNotUs
Thu May 17, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 5134

Re: New 2018 Nissan Leaf (with 150 mi range)

53,000 miles on my Leaf and still have not lost a bar.
I bought one of the very early Priuses and the ICE boosters all said that would be a battery nightmare. Sold it with 150k and no issues.
by WhyNotUs
Thu May 17, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4840

Re: New motorcycle rider

I have a mc license but no longer ride, just not worth it. I was never as into it as some of the other posters, the exhilaration that seems to attract some is easier for me to gain on a mountain bike or other activity (whitewater raft, etc.) in which my choices drive consequences to a greater extent...
by WhyNotUs
Thu May 10, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 1921

Re: Reccommended Minivans

Sienna is a great van and Odyssey is a very good van as well. We buy Sienna AWD used with 90 to 100k. First one went to 260,000 miles and sold it for $1000 (bought for $9500), second one paid $9000 but it got totaled (I still miss that one it was in excellent condition) and most recently a replaceme...
by WhyNotUs
Sun May 06, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 20
Views: 1399

Re: Tea supplier comparison

Another big Uptons fan. I drink a lot of tea and was involved in setting up a tea house for a client. They have quality teas at good prices. If you want to make the leap from grocery store tea to loose leaf, a couple things will be helpful • A supplier- Uptons for me • A brewing approach- my choice ...
by WhyNotUs
Fri May 04, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 2676

Re: My first week of cycling in Slovenia and Croatia

www.agoda.com is a nice site as it lists hostels, hotels, and rooms for rent.

Best wishes on your adventure!
by WhyNotUs
Mon Apr 30, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2440

Re: Bicycle Questions

I would look at bike share (there are two programs in St Louis) or a cheap used bike. Bike theft is a big issue. I bought my daughter a $80 bike at Target. It was not for pleasure riding, just getting to class and back but it lasted three years and did its job. She gave it to a Freshman when she lef...
by WhyNotUs
Mon Apr 30, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 2600

Re: Cellphone use in Europe now inexpensive

We used Vodafone. 10 euros for 3 Gb of data and more calls and texts than we would ever use. Worked well in Portugal and Spain for data but we had to pick a country from calls or pay an additional 5 euros for intl plan. Vfone stores are common.
by WhyNotUs
Mon Apr 30, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8943

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Did not read all of the responses so this may have been covered: • If they are going to lots of national parks/monuments, an annual pass may be a better deal. Any two people can be covered for $80. Park fees can add up quick • What's app is great for when there is internet but not cell service. Both...
by WhyNotUs
Sun Apr 29, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: Self-Directed IRAs - Potential Paradigm Shift?
Replies: 6
Views: 638

Re: Self-Directed IRAs - Potential Paradigm Shift?

Please report back in the future. I went to a presentation on Self Directed IRAs a few years ago as a possible tool for RE investment. The more I dug the less interesting it seemed, fees, limitations, and bad feeling about the people involved. This concept has been discussed before on this board. In...
by WhyNotUs
Sun Apr 29, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 945

Re: Did you rent car in Spain?

P.S. if from the US, International Driving Permit required.
by WhyNotUs
Sun Apr 29, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 945

Re: Did you rent car in Spain?

Seeking tips in managing a car rental usage in Spain. I am imagining that city centers will be very congested and its going to be very difficult to find reasonably priced parking. Correct in most cases Where did you park the car when sightseeing? Did you park the car in the hotel and use public tra...
by WhyNotUs
Tue Apr 24, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10829

Re: Nomadic lifestyle in their 50s

Can't track all of your financial assumptions but it sounds like you are looking at the right considerations. The glaring hole is health insurance. We would be more nomadic if not for health insurance. Our rates for a not very good policy would be $26k a year in our market. It would require $40k or ...
by WhyNotUs
Mon Apr 23, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 3041

Re: Your own General Contractor

You might save 10% or so by acting as your own GC, after paying Builders Risk, spending a good deal of time, and finding a really good construction supervisor who is willing to really be the GC without the liability or pay. Another way forward is to study online how to read drawings so that you can ...
by WhyNotUs
Fri Apr 20, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 2909

Re: So many problems I can't even figure out how to prioritize them

Things that are fairly low cost and I can do myself so should not even be on a list (just do it) Door weather stripping Shovel Trimmer Rust treatment on Swamp Cooler Curtains (if you have a sewing machine or have a friend with one you tube is your friend) Funky will do for now Things that I just ne...
by WhyNotUs
Fri Apr 20, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2190

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

I have used both CC and Bookit for all inclusive trips to go diving and the prices have been low. They did tend to have flight connections, sometimes inconvenient ones but the savings made it worth it for us.
by WhyNotUs
Mon Apr 16, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1857
Views: 339840

Re: What are you up YTD? [Year To Date]

Negative 0.56%

I had not been looking expecting it to be worse.
by WhyNotUs
Mon Apr 16, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Asset allocation for self-employed, independent contractor
Replies: 6
Views: 464

Re: Asset allocation for self-employed, independent contractor

Have been self-employed all of adult life. I keep six months expenses in local bank and invest other funds just like anyone else- asset allocation based on age and risk profile. My form of employment is only really relevant in having a little more latitude in amount to put into retirement each year ...
by WhyNotUs
Sun Apr 15, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1924

Re: Spain in May end

If you go to the website you will see that they are sold out well into June, maybe July by now. The Granada card was sold out through mid-May last time I checked. Last fall I was able to buy an Alhambra ticket online in mid-September for a late October visit. I was able to buy a ticket the day befor...
by WhyNotUs
Sun Apr 15, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1924

Re: Spain in May end

I am sure that there are people who choose not to get an IDP and as long as you do not get pulled over and the rental car company does not ask for it then you are fine. The same would be true of having a drivers license at all. As long as nothing happens you do not need a driving license. However, i...
by WhyNotUs
Sun Apr 15, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1924

Re: Spain in May end

If you do get a car and are a Yank, then you need to get an Intl Driving permit in Spain. Other advice about not wanting/needing a car in cities is good. Expect to pay more for parking than the rental. Rail and bus service is excellent between many cities and points of interest. For instance, one co...
by WhyNotUs
Fri Mar 23, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 43
Views: 4280

Re: Do I need title insurance?

Yes you need it, no the cost is not based on a reasonable profit from their risk
by WhyNotUs
Thu Mar 22, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 18178

Re: Are we missing recession /bear market beginning

It takes a good deal of luck to beat picking an asset allocation that you can live with and letting it ride. Statistical analysis suggest that the most profitable way to save for retirement is find your acceptable level of risk and set your AA accordingly and then focus on other parts of your life. ...
by WhyNotUs
Tue Mar 20, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 7498

Re: REITS and Swedroe

We are yet again making the case for the three or four fund approach.

This is where Taylor usually sends his long list of quotes...
by WhyNotUs
Mon Mar 19, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: What kind of bike do I need and how much should I spend?
Replies: 44
Views: 2955

Re: What kind of bike do I need and how much should I spend?

You would need to say more in order to get better advice. Riding distance- I want to run errands and an occasional 5-10 mile ride, or I want to ride 20-40 miles or I want to distance ride Riding surface- I will be riding on paved roads and/or paved trails, or riding on gravel roads, or riding off-ro...