Search found 1566 matches

by WhyNotUs
Sun Oct 20, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: Assessing the Value of Advice
Replies: 9
Views: 1034

Assessing the Value of Advice

VG has an article on their website that describes their reason for promoting PAS (three part value proposition) and what happens to typical investor portfolios if they play along. https://personal.vanguard.com/pdf/assessing-value-advice.pdf My overview of changes in portfolio • About 28% have Invest...
by WhyNotUs
Fri Oct 18, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity
Replies: 48
Views: 7961

Re: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity

We did some biking in Portugal last March and loved it. The southern area was dry and warm enough for biking. The wine country was lovely and very low traffic. Had originally looked at biking Porto to Lisboa but it was too rainy in north.
by WhyNotUs
Wed Oct 16, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Mediate or Arbitrate?
Replies: 11
Views: 1216

Re: Mediate or Arbitrate?

Your description does not suggest that mediation will result in a mutually satisfactory resolution. Sometimes setting a date for arbitration will trigger meaningful resolution negotiation, if so that would be a chance to exit before the costs of arbitrations continue to escalate. You can help yourse...
by WhyNotUs
Tue Oct 15, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4353

Re: What workout equipment to get?

Dumb bells
Gym Ball
Step
yoga mat
strap and exercise bands

I have other stuff but that is what I really use. For exercise someday I will move the weight bench and cross trainer :oops:
by WhyNotUs
Tue Oct 15, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Home appraisal 8% less sq ft than listing
Replies: 42
Views: 2406

Re: Home appraisal square ft less than Seller Listing

What recourse do I have since I am outside of the contingency period? Should I ask for the full $55k price reduction? I take it from the above that your inspection period has passed and the appraisal has verified the value so that contingency has been exhausted. Your recourse seems to be to walk an...
by WhyNotUs
Tue Oct 15, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 4334

Re: Invited to join HOA board. Pros/cons?

Cons To do it well requires a commitment of time that will vary with the number of issues/projects at hand Night meetings You might learn things about neighbors that you wish you did not know Pros Can potentially benefit the neighborhood Someone has to do it and everyone needs to take their turn Can...
by WhyNotUs
Mon Oct 14, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: College for real life use [Practical knowledge about investing]
Replies: 28
Views: 2584

Re: College for real life use

You could pursue CPA program. Investing in the context of Bogleheads is pretty simple. Dealing with taxes, what money to put where, and estate planning can be covered in a CPA program.
For just investing, the wiki here is a pretty cheap grad degree :D
by WhyNotUs
Mon Oct 14, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7268

Re: When is private (elementary) school worth it?

First, I would buy a plant for the kindergarten teacher who encouraged your child to help others after finishing their work. A good social skill to develop and may balance out other areas of life. The idea of a broad test that addresses emotional intelligence and social skills as well could provide ...
by WhyNotUs
Fri Oct 11, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 88
Views: 6426

Re: Vanguard keeps pushing their financial advisors...why?

The delete key is your friend. Emails are cheap so we will get lots of them.

VG is not the same as Boglehead or Bogle, they have mouths to feed. The field for low cost, passive investments is getting crowded and I expect that many of the new comers to such would appreciate a little support from PAS.
by WhyNotUs
Thu Oct 10, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Neighbor filming a TV Show
Replies: 71
Views: 3587

Re: Neighbor filming a TV Show

No idea where you are and whether municipality or county? HOA or no? My first move would be to invest in black out curtains so that light pollution is addressed. They come in reasonable styles and colors and do a good job. Then I would find what permits are requires by the local jurisdiction. I woul...
by WhyNotUs
Sat Oct 05, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: French Doors Suggestions/Tips?
Replies: 11
Views: 1071

Re: French Doors Suggestions/Tips?

We priced out a NanaWall for the south side of my home but ended up feeling like the cost was too high. There are cheaper options than Nana but I had seen the Nanas in my environment and was impressed with their operation. We ended up with a a french door with exterior clad and interior wood. Wanted...
by WhyNotUs
Thu Oct 03, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: I don't understand the benefit of title insurance in this case.
Replies: 57
Views: 3841

Re: I don't understand the benefit of title insurance in this case.

There are two separate issues: Is title insurance over-priced? Yes. Is title insurance a wise investment? Yes, in most cases. If you purchase it without going over the Exclusions and getting title company to remove as many as possible then you may not be buying what you think you are buying. There a...
by WhyNotUs
Wed Oct 02, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: I don't understand the benefit of title insurance in this case.
Replies: 57
Views: 3841

Re: I don't understand the benefit of title insurance in this case.

Say you buy a empty lot for $100K, then you build a $500K house on it. If there is a future title issue, seems like you're only covered for the $100K you paid for the property. What about the $500K you spend on the house? How would it work for you if you built a $500k house and the land belonged to...
by WhyNotUs
Wed Oct 02, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Architect vs General Contractor? Want to do an addition to house (maybe)
Replies: 21
Views: 1097

Re: Architect vs General Contractor? Want to do an addition to house (maybe)

Either could work but it depends in part on your home. Remodeling a 1920's home can often lead to surprises that challenge the budget related to structure, plumbing or electric. An experienced architect familiar with the local housing stock is likely to have worked on a few similar homes and can adv...
by WhyNotUs
Mon Sep 16, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: I don't understand the benefit of title insurance in this case.
Replies: 57
Views: 3841

Re: I don't understand the benefit of title insurance in this case.

Say you buy a empty lot for $100K, then you build a $500K house on it. If there is a future title issue, seems like you're only covered for the $100K you paid for the property. What about the $500K you spend on the house? How would it work for you if you built a $500k house and the land belonged to...
by WhyNotUs
Fri Sep 13, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 8863

Re: Electric Bicycles

With any rear hub, changing a flat on the rear tire can be a PITA. The CCS is a good example. When new watch the video they provide. In our case, we had to supplement the gear they sent with a small blade and small zip tie. If you practice it before you need it, the first flat will not be as big a d...
by WhyNotUs
Fri Sep 13, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Escrow account between neighbors?
Replies: 11
Views: 1471

Re: Escrow account between neighbors?

For this amount, an escrow is the most straight forward. A Letter of Credit is another option but too complicated for this amount.
by WhyNotUs
Wed Sep 11, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 8863

Re: Electric Bicycles

My wife has a Juiced CCS. She now asks me to go riding. Her being on a Class 3 and me on a Class 1 keeps my on my toes.
by WhyNotUs
Wed Sep 11, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4420

Re: Best Dog Car?

Subaru Forester is a dog hauler
by WhyNotUs
Mon Sep 09, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 8863

Re: Electric Bicycles

P.S. if you plan to ride from locations other than your home, you will need a extra heavy duty bike carrier. They are a lot to wrestle with even without the battery in.
by WhyNotUs
Mon Sep 09, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 8863

Re: Electric Bicycles

Rad City is a good bike for the $$. Given the weight, older males may want a step thru as well. For someone with high aims for an ebike, there are other options but the Rad City is a great selection for people looking for a commuter or for fun family rides. I have a Haibike Trekking that I bought fo...
by WhyNotUs
Sun Sep 08, 2019 10:05 pm
Forum: Personal Investments
Topic: [Moving from Edward Jones to Vanguard]
Replies: 18
Views: 2041

Re: [Moving from Edward Jones to Vanguard]

If you cash out the bond funds and buy total bond market, you will probably save 0.6 to 1% a year in fees. So over time the move will be paid back. A friend asked me to look at her EJ account last week. VG MM and three American Funds. The first one I looked at had 5.75 front load and 1% on the back ...
by WhyNotUs
Sun Sep 08, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Advice on selling real estate (Family Property)
Replies: 19
Views: 1204

Re: Advice on selling real estate (Family Property)

I would suggest taking a deep breath and rereading your post as if it was written by a stranger. The description that you provided makes it clear that you need to sell. Having your grandparents blessing is comfort. Don't know what part of the country you are in but in some parts of the midwest and s...
by WhyNotUs
Thu Sep 05, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Bamboo Flooring
Replies: 20
Views: 2320

Re: Bamboo Flooring

I have bamboo floor in master but not that product. Live in a dry climate and it has not been stable. Would not do it again although I really like the look.

No way I would put wood or bamboo in with wet fixtures.
by WhyNotUs
Fri Aug 30, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2663

Re: Maui Honeymoon Daily Spending Budget

You should be able to have a nice honeymoon with $250 a day. There are some great expensive things to do but also many, many low or no cost activities. I did not see where you are staying so that would impact the activities, IMO people spend to much of their vacation driving on Maui. I will assume t...
by WhyNotUs
Thu Aug 29, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Should we let go of our Realtor and get a Real Estate Attorney?
Replies: 82
Views: 4344

Re: Should we let go of our Realtor and get a Real Estate Attorney?

We are considering discussing this openly with them. We don't want to sneak behind their back because we value their time and efforts. Unfortunately, at this time, there does not appear to be a way for us to make this deal go through unless they agree to cut their commissions. This is certainly som...
by WhyNotUs
Thu Aug 22, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Bullfrog Spa (Hot Tub)
Replies: 9
Views: 594

Re: Bullfrog Spa (Hot Tub)

I bought a new tub recently and was surprised at how hard it was to find accurate and objective info or to understand pricing. FWIW, here are some random thoughts from my research. If you can, try sitting in the tub in your bathing suit to see what it is like. Bullfrog is a good brand. Get one that ...
by WhyNotUs
Tue Aug 20, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Chicago - What to see, do & eat in two days
Replies: 71
Views: 3816

Re: Chicago - What to see, do & eat in two days

Might consider the lake front trail rather than river trail. If you sign up for bike sharing you can hit the Zoo (free) and Aquarium (check calendar for free days). Navy Pier is fun for fireworks but agree with others that is a not the best of Chicago in other times. Depending on age of kids, they m...
by WhyNotUs
Mon Aug 19, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6709

Re: Neighbor's FIOS cable running over my yard

If you own your home, you have a title commitment and likely a survey that will both list easements. See if there is one in the location of line. If not, they need to get one from you or move it.
by WhyNotUs
Mon Aug 19, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Home Office - Main Floor or Basement
Replies: 18
Views: 1112

Re: Home Office - Main Floor or Basement

Mine is on the main floor but would have put it in basement if I had one. Fewer distractions.
by WhyNotUs
Thu Aug 15, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Question About Paying A Contractor
Replies: 14
Views: 1059

Re: Question About Paying A Contractor

3. Settle out with the contractor at a reduced price. Be sure he signs a release that includes "payment in full". If you can't make this happen, seek legal counsel. j You can often find a lien release stamp for checks at an office supply store. It is good to have for completing any contractor trans...
by WhyNotUs
Thu Aug 15, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Need Creative Solutions for Billing Expenses to Renter
Replies: 27
Views: 2416

Re: Need Creative Solutions for Billing Expenses to Renter

Whether you have a subpanel or not, something like this provides credible results.

https://www.powermeterstore.com/P10691/ ... wer-meters
by WhyNotUs
Mon Aug 12, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Any Western CO Folks Here (Durango?)? - Would you Rec?
Replies: 36
Views: 2599

Re: Any Western CO Folks Here (Durango?)? - Would you Rec?

Fruita and Palisade are also worth a look if you are considering the GJ area. They are a little more small town. The mtn biking in the area is exceptional. Gets hot in summer (to me). GJ also has a 4 year college now (as does Durango). Skiing at Purgatory is pretty good, nordic skiing at Grand Mesa ...
by WhyNotUs
Wed Aug 07, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 27119

Re: Social Security -- Take it at 62, 67 or 70

Open Social Security is a lovely gift, thanks Mike.
by WhyNotUs
Tue Aug 06, 2019 10:49 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 12945

Re: Personal Flagship Representaive Going Away

We had a really good experience with our rep. about 5 or 6 years ago but have not called anyone since.
I remember his name but have no expectation that he still works there.
When I get close to retiring I will probably call with some questions but the investments are pretty much on auto-pilot for now.
by WhyNotUs
Mon Aug 05, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2220

Re: Advice on short Vietnam visit

Well, that is a tough task. We had a little over three weeks and worked our way from Phu Quoc in the south to Sapa in the north. The plane service was inexpensive and had frequent flights. You could literally go to Hanoi and HCMC but not really see either in that time. Personally, I prefer the south...
by WhyNotUs
Mon Aug 05, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12296
Views: 2104874

Re: U.S. stocks in free fall

Elliot Wave is calling for a rip tide.
by WhyNotUs
Mon Aug 05, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 11287

Re: Insane to buy a sports car?

I did not wait and drove and raced a Porsche in my youth. It was incredibly fun. It was also expensive and ate up much more of my income than you will need. A lease would allow you to get your ya yas out and aniticpate the cost. Two year lease should be possible for about $9k a year. Your insurance ...
by WhyNotUs
Mon Aug 05, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15316

Re: Why won’t anyone hire me?

Believe in yourself, job rejections happen for countless reasons that may have nothing to do with you. You are not being rejected. Do some personal assessments of skills and interests, don't limit yourself to previous skills. You are uniquely positioned for a fresh start. Could be a great time to tr...
by WhyNotUs
Sat Aug 03, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"
Replies: 54
Views: 7638

Re: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"

The end is the basic tenets of Bogle's investment advice.
One means is Vanguard.
If there is a better means to the end, then use it.
by WhyNotUs
Sat Aug 03, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy to include seasonal condo
Replies: 15
Views: 638

Re: Umbrella policy to include seasonal condo

It would be for the same reason that you have umbrella for primary residence, a long shot risk that results in a high cost liability. That almost always involves a person being badly hurt- visitor, maintenance person, other. You can assess the value if you price the new policy and see whether you fi...
by WhyNotUs
Sat Aug 03, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri
Replies: 50
Views: 5329

Re: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri

Thanks to both gentlemen, who have been consistently generous with their most scarce resource... time.
by WhyNotUs
Tue Jul 30, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 3916

Re: VOIP - what do you use?

Ooma basic for a number that some former clients still occasionally use.
by WhyNotUs
Tue Jul 30, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2071

Re: Costa Rica travel

Well they are three very popular places and will have organized activities that will be interesting and fun. I am guessing that you are flying into San Jose? I ask because the leg to Manuel Antonio will take a fair bit of travel time from Monteverde. Seemingly short distances can take a while. I did...
by WhyNotUs
Tue Jul 30, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Rental home flooring recommendation
Replies: 9
Views: 734

Re: Rental home flooring recommendation

The Allure should work fine. Water resistance is great and that is always an issue with rentals.
Agree to have a plan for baseboards.
I would not use laminate in a rental due to water concern.
by WhyNotUs
Tue Jul 30, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2564

Re: Hawaii in August

Waikaloa seems like a good spot for that. If you like little explorations, go to Waimea (aka Kamuela) for a visit and then over the mountain road to the delightful little town of Hawi. We like to relax and take our own sweet time to see things on vacations. If that means we miss some must see touris...
by WhyNotUs
Mon Jul 29, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2564

Re: Hawaii in August

What do you enjoy doing on a vacation?

uberdoc wrote:
Sun Jul 28, 2019 1:57 pm
Hi,
Any suggestions for a vacation in Hawaii in late August? We have a toddler so have to keep that in mind. Which island should we go to, what should we plan to do, which hotels etc? We will use Costco travel vacation package.
Thank you.
by WhyNotUs
Wed Jul 24, 2019 2:20 pm
Forum: Personal Investments
Topic: Potential sale of beach house
Replies: 13
Views: 1274

Re: Potential sale of beach house

Presumably when the dad transferred the house he filed a gift tax form with his taxes that year. It would have established the basis for your friend's capital gains.
by WhyNotUs
Wed Jul 24, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Car Check Engine Light
Replies: 29
Views: 1432

Re: Car Check Engine Light

Where I live a local auto part store, Auto Zone, will read the error message and tell me what it needs.
by WhyNotUs
Sun Jul 21, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)
Replies: 27
Views: 1653

Re: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)

Not unless you have a system for watering. Someone else mentioned the lowest cost solution, timers on hose bibs with long hoses to large sweep sprinklers set early in am and evening.


Gardener wrote:
Sun Jul 21, 2019 9:11 am
Should I bite on that $200 offer for seeding and strawing?

Guy had good pics of straw thrown down.