Search found 1291 matches

by WhyNotUs
Thu Aug 09, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 1898

Re: Anyone familiar with attic fans?

With 2' of attic insulation you should be getting a lot of savings on heating and cooling and enjoying a more comfortable home. Do you have some reason to believe that the hot air in the attic is impacting your home? The previous owner may have disconnected the fan after superinsulating the attic be...
by WhyNotUs
Thu Aug 09, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4538

Re: Is solar power for your home a worthwhile investment?

Charon is correct, utility scale wind and solar are very competitive. In fact, Xcel recently sent out an RFP for new production and bids for solar with storage were cheaper than conventional. Rooftop solar can make sense for other reasons and make economic sense in areas with higher electric rates a...
by WhyNotUs
Thu Aug 09, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3708

Re: radon mitigation exposure concern, are we at risk?

No idea what Gray Fox's point is but if it is not to test and remediate for radon, then I believe they are off track regardless of what Youtube says. Radon is a proven threat, easy to test, and often easy to mitigate. I would not be worried about my neighbors vent but it would make me ask my landlor...
by WhyNotUs
Tue Aug 07, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4538

Re: Is solar power for your home a worthwhile investment?

+1
Tribonian wrote:
Fri Aug 03, 2018 12:38 pm
We’re finally reaching the break even point after 16 years. For us, it was not a financial decision so much as an environmental stewardship choice which we were willing to pay a premium for.
by WhyNotUs
Tue Aug 07, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 198
Views: 16326

Re: "Don't Obsess About Expense Ratios"

I used to be with Fido and thought they were a good choice. My funds were split and I wanted them all under one umbrella for simplicity sake at VG. Nothing bad to say about Fido though. My taxable was with VG so I went with them and I liked the overall philosophy of Bogle. Even managing an Index fun...
by WhyNotUs
Mon Jul 16, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5204

Re: Bears!!!

I tried the ammonia trick before going to a shed.

My first effort was similar to the OP with clips to hold the lid closed. A very hungry bear worked it until one of the clips failed.

So far so good with the shed.

Bears who get used to trash end up getting killed and I do not want that to happen.
by WhyNotUs
Thu Jul 12, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Travel credit cards
Replies: 18
Views: 1521

Re: Travel credit cards

FWIW, I used my CSR recently in Spain and Portugal including for transit passes without incident.
by WhyNotUs
Thu Jul 12, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 195
Views: 17217

Re: Vanguard to offer non-Vanguard ETFs commission-free

It would be an interesting analysis to see if this was good for investors. Perhaps there could be a way to track performance of changes that investors make. The "paradox of choice" and previous research on three fund versus more complicated investment strategies makes me curious as this will actuall...
by WhyNotUs
Wed Jul 11, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Travel credit cards
Replies: 18
Views: 1521

Re: Travel credit cards

I got the CSR when the bonus was 100k and expected to dump it after receiving the second year credit and before the second year $450 fee. In the end we kept it as the benefits actually came in handy. The Priority Pass lounge access has proven worthwhile and now they are even offering restaurant cred...
by WhyNotUs
Wed Jul 11, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3367

Re: Masterbath Remodel - Tub or No Tub ?

We did a master bath remodel a couple years ago and went to a tub sized shower pan for walk in shower with glass panel. We have two other baths, one with walk in shower and one combo shower/tub. No regrets so far. I would miss it if we did not have a tub option for the couple of times a year that so...
by WhyNotUs
Wed Jul 04, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12567

Re: Expected returns for 80/20 stock bond for next 10 years.

My wife and I are frugal, we have 500k combined in investments. So, now I'm to expect 3 percent for the next ten years from 2018-2028??, I"ll be 51 by then. I want to retire by 55 I was born at the wrong time!! :oops: Sounds like you have already accomplished a lot and have learned the most liberat...
by WhyNotUs
Wed Jul 04, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12567

Re: Expected returns for 80/20 stock bond for next 10 years.

I just read a VG blog post for institutional investors that displayed nominal returns for 10 yr period ending in 2017 with several 70/30 scenarios, returns were between 6 and 7% even with the run up of stocks over that period. 5% seems utterly reasonable for planning purposes and I would be delighte...
by WhyNotUs
Tue Jul 03, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 3967

Re: hybrid or plug-in electric car

JPH wrote:
Sat Jun 30, 2018 7:09 am
The solar panels on your roof would be a key element. Most electricity is generated by burning coal, so even fully electric cars run on coal.
I agree with the first sentence, the second one is out of date on a national basis.
by WhyNotUs
Tue Jul 03, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3650
Views: 1037161

Re: What Movie Have You Recently Watched?

Hearts Beat Loud
Easy to like summer movie with a terrific young female lead, I expect her to be a big star
by WhyNotUs
Tue Jul 03, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4739

Re: bike helmets

Back to the OP.... For $30 to $40 one can get a pretty good Bell helmet. It would be fine for regular riding, even if you decide to start riding more. Two suggestions: one buy a white helmet and two spend some time when you buy it adjusting it until it fits perfectly. A well fit helmet will not be n...
by WhyNotUs
Tue Jul 03, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1827

Re: Transporting bikes with an SUV?

Your criteria are in conflict and you need to prioritize them 1.) Want cheap 2.) Want secure 3.) I am not tall (no choice about this one) 4.) I want two to four bikes (if you are getting a hitch mount might as well) Normally, I think the best solution for you would be a hitch with a four bike rack w...
by WhyNotUs
Mon Jul 02, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 3942

Re: Neighbor's drainage issue causing problems

Just for my own curiosity I would find out what the system is supposed to be- dry well, connected to municipal stormwater, etc. Either of the first two options can be clogged and the drywell is a relatively simple maintenance task.
by WhyNotUs
Sat Jun 30, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4106

Re: Any Reason to Keep My "Landline" Phone?

I have my landline number on ooma now. Occasionally, an old client will call it. That occasional phones results in enough work to justify the small expense. My phone has a good speaker phone while the one on my cell is no great, it works much better for conference calls.
by WhyNotUs
Sat Jun 30, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7313

Re: What are you learning or studying?

Finished the Yale Positive Psychology course on coursera recently

Have a topic of study each year, this year it is Vedanta
by WhyNotUs
Sat Jun 30, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Yes, It’ll Happen - Jonathan Clements
Replies: 33
Views: 7166

Re: Yes, It’ll Happen - Jonathan Clements

Excellent article. In this sound bite world, it is hard to get anyone's attention to the reality of what Jonathan is saying. Sadly, many do not get it until it is too late. It would be wonderful if there was a required HS class that taught the principles cited by Jonathan and others. It is great fo...
by WhyNotUs
Sat Jun 30, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 3967

Re: hybrid or plug-in electric car

heartwood wrote:
Sat Jun 30, 2018 7:37 am

Will the battery last? A few years ago I thought the battery life was +/- 5 years and represented a significant replacement cost. Has this changed?
Not accurate :thumbsdown
by WhyNotUs
Sat Jun 30, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 3967

Re: hybrid or plug-in electric car

Just about any hybrid or ev would work for your circumstances. The Leaf is a good car (mine is 2013 with 55k miles and still 12 bars on battery) but there are others. There is a bit of an art in buying used for the long haul, you could either do some homework on that or buy from a dealer and have th...
by WhyNotUs
Wed Jun 27, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Phu Quoc or Phuket?
Replies: 5
Views: 790

Re: Phu Quoc or Phuket?

We stayed at a lovely place called Mai House on Long Beach for 6 days and loved it. It had a series of small units on a great section of beach with stunning sunsets. It was at the higher end of the bungalow market there but we really enjoyed it. We were on a several week trip that was pretty active ...
by WhyNotUs
Tue Jun 26, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 10047

Re: Stocks vs. rental property

Apples and Oranges- two very different types of investments. Actually more than two as there are different branches of REI just as there are different branches of market investments. If the OP wants to get involved in REI, then this forum is probably not the best place. www.biggerpockets.com would b...
by WhyNotUs
Sun Jun 17, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3695

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: 4788

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: 679

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: 2398

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: 670

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: 2123

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: 6390

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: 2986

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: 54
Views: 4936

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: 1143

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: 1143

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: 3040

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: 3099

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: 12311

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: 5217

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: 12311

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: 949

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: 1560

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: 1795

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: 1939

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: 1330

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: 3888

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: 4703

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: 212
Views: 19529

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: 9703

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 ...