Search found 1087 matches

by WhyNotUs
Thu Oct 19, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: building contractor has no license
Replies: 15
Views: 1187

Re: illegally working buiding contractor

Do you have a contract or agreement with license, bonding, etc. provisions? Have there been regular inspections? Do you have a valid building permit? I would get answers to this and then (assuming yes, yes, yes,) meet with contractor immediately and present facts and then seek remedy. If the answers...
by WhyNotUs
Wed Oct 18, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 50
Views: 5861

Re: Larry Swedroe:Better To Face The Correction

Same for emerging markets (ok, these are expected to be more volatile). The catch is that when there's a crash in the making, it's not that the market crashes just because. There's a reason (or at least some narrative). We've seen quiet times over the last year, general economic recovery, combined ...
by WhyNotUs
Tue Oct 17, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Anyone who started a business what made you comfortable enough to take the chance?
Replies: 25
Views: 1887

Re: Anyone who started a business what made you comfortable enough to take the chance?

I never felt like I would be good working for someone else after my experiences in teens and early twenties so did not think that I had a choice. In other words, it would have been too uncomfortable to work for someone else. Had several good offers to join client firms but was never really tempted. ...
by WhyNotUs
Tue Oct 17, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: How best to sell lot zoned for apartment?
Replies: 8
Views: 653

Re: How best to sell lot zoned for apartment?

As the executor of an estate ... My plan is to interview 3 commercial real estate agents, pick one, and have them sell it. None of the heirs want to invest in or develop the property. Presumably, the buyer will be a developer/investor. Any critiques of the above plan, warnings of potholes, or addit...
by WhyNotUs
Tue Oct 17, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Increase Rental Property Debt or Personal Property Debt?
Replies: 4
Views: 389

Re: Increase Rental Property Debt or Personal Property Debt?

At least a part of this is a tax issue that either you need to calculate or if you have a tax person ask them to analyze. Are you better served by a deduction for interest on rental or personal home? In general, my philosophy would be to minimize debt on where I live as that will be my primary if ev...
by WhyNotUs
Mon Oct 16, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 2820

Re: 30th Anniversary of October 19, 1987 stock market crash

That was a reallllllly bad day. Learned the difference between gambling and investing the hard way.
by WhyNotUs
Sun Oct 15, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1838

Re: contributing to friend's non-profit?

Depends whether I though what the NPO proposed to do was important, whether they had a reasonable chance of success, and whether my friend seemed suited to the job. Often the answer is yes, but sometimes no. The number of NPOs is mind boggling these days so I am always struggling with larger gifts t...
by WhyNotUs
Tue Oct 10, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13697

Re: [Boglehead vs Mr Money Mustache philosophies]

This thread is a tempest in a teapot. What is the point?

Everything one needs to know about BH "philosophy" is in the Wiki and MMM's philosophy is probably similarly accessible.
by WhyNotUs
Mon Oct 09, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 883046

Re: What Movie Have You Recently Watched?

" The Upside" a warm, funny, and well acted remake of a French film based on a true story of a rich man dealing with quadriplegic realities who hires a black parolee to be his caretaker and no lifelong friend. Kevin Hart is very good and so is Brian Cranston. "The Florida Project" thought provoking ...
by WhyNotUs
Mon Oct 09, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Greek Islands Cruise Excursions
Replies: 9
Views: 852

Re: Greek Islands Cruise Excursions

Athens: we really enjoyed outdoor dining in Plaka District. We ended up at a big joiners table and broke bread with Greeks during one of their challenging periods. A nice stroll through the National Gardens and/or Parthenon to get you hungry. Tavernas with music are another fun option. Santorini: it...
by WhyNotUs
Sun Oct 08, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5706

Re: Roof shingles do not match - Neighbor sent notice

If the painting shingles seems like a reasonable exercise I would try it if nothing else as a sign of good faith. Given the lack of citation in the letter and your lack of info it is hard to assess your liability. It does not seem like you believe that you are in an HOA. Did you save your closing do...
by WhyNotUs
Fri Oct 06, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Musty smell in a bedroom
Replies: 6
Views: 1177

Re: Musty smell in a bedroom

You might start by either renting a moisture meter from a tool rental company or hire the diagnosis person from a flood recovery company with one. I would try to get very certain on the location of the moisture before I started paying people to remove drywall. Your previous experience with the water...
by WhyNotUs
Fri Oct 06, 2017 6:19 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8081

Re: I'm thinking about cashing completely out of equites....

I'm 56 years old and I have all the money I will ever need based on my lifestyle (boring). With the market overdue for a correction does it ever make sense to completely liqudate ones exposure to risk. I'm currently at a 50/50 mix. Thoughts? The math based on history does not support it, but it is ...
by WhyNotUs
Tue Oct 03, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1623

Re: Visiting Paris - should we buy tickets in advance?

I was there in April and did not buy anything in advance. Went to the Louvre about 5 pm and walked right up to the counter to buy tix. No line at Mona Lisa which I had not even planned on seeing due to comments about lines. Waited in a short line at Notre Dame and a 30 min. wait at Sainte Chapelle (...
by WhyNotUs
Tue Oct 03, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: How to get rid of thistle
Replies: 10
Views: 966

Re: How to get rid of thistle

Wow, these ideas (Avenger and Flamethrower) sound more exciting than my approach. I dig the ones that I can get to and pour a little high acid vinegar (our local garden shop carries it) in the hole and if I cannot reach it then I spray the leaves. As others have mentioned, get them before they bloom...
by WhyNotUs
Tue Oct 03, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3148

Re: We're Debt Free (Except our House)!

Congrats, much of the american population would love to achieve your current status and building blocks for the future. Assuming that your mortgage rate is low and that the mortgage interest deduction survives tax "reform", then I would personally keep my mortgage and focus on taxable investments or...
by WhyNotUs
Mon Oct 02, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my job and looking for advice on next steps
Replies: 43
Views: 5207

Re: Lost my job and looking for advice on next steps

One of the decision I need to make soon is: am I ready for early retirement or should I continue looking for a job? You could buff out your resume and start looking to see how it feels. Some people will be excited and energized by the change and others will realize that it is time for a reduced wor...
by WhyNotUs
Tue Sep 26, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4668

Re: Sonoma in October

If you happen to be heading around the 22nd, make sure to check out Healdsburg for Pinot on the River. Unforgettable.
http://pinotfestival.com/
by WhyNotUs
Tue Sep 26, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1399

Re: Weekend trip in Portland, Oregon - ideas?

Saturday- Sat. Market, Powells Books, bike ride, beer tasting, Nathaniel Rateliff and the night sweats at Pioneer Sq, at 7 pm

Sunday- Drive to McMinnville area for wine tastings (pinot Noir)
by WhyNotUs
Tue Sep 26, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4473

Re: IOS 11: Anybody using it yet?

Experiencing battery drain, all else is well.
by WhyNotUs
Sun Sep 24, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 10
Views: 1307

Re: Favorite small Colorado towns near great fishing?

Basalt is a good suggestion, lots of gold medal trout fishing and excellent guide services. Nice town and one can enjoy amenities of Aspen and Glenwood Springs if desired.
by WhyNotUs
Sat Sep 23, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 36
Views: 2394

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

House paid off and home and Umbrella in place.
Have dropped comprehensive on cars in the past in similar situation but would not drop liability.
Can't think of a scenario that would lead me to drop home insurance at today's rates.
by WhyNotUs
Fri Sep 22, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Selling an inherited home looking to replace the rental income
Replies: 2
Views: 321

Re: Selling an inherited home looking to replace the rental income

Over the course of history, one would have said that your situation would suggest buying something like total bond market. At the current moment, interest rates on bonds would not achieve the 4% return that you need in order to replace the rental income with the possible exception of High Yield (hig...
by WhyNotUs
Fri Sep 22, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: No More Saving???
Replies: 114
Views: 10466

Re: No More Saving???

Just wondering how many BH out there got to a point [in one's working years] where the need to save for retirement stopped? For example, has anyone stopped the accumulation phase before retiring? If so, please describe your situation. Reached FI, got divorced, back to work FT (self-employed), remar...
by WhyNotUs
Fri Sep 22, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4473

Re: IOS 11: Anybody using it yet?

I loaded 11 on my new phone. It works well so far. I am not usually an early adaptor on iOS but took a chance and have not had any issues.

I don't use VIP or GA.
by WhyNotUs
Thu Sep 21, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 144
Views: 15580

Re: The Trouble with "Buy and Hold"

It is true by definition that if one knew when to buy and when to sell, then they could make more more money than anyone else. The same thing that would make that work, makes it impossible to perform without prescience. The market charts that cover a long period of time for buy and holders are smoot...
by WhyNotUs
Thu Sep 21, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Tenant wants to break contract. How much to pay an attorney?
Replies: 33
Views: 2375

Re: Tenant wants to break contract. How much to pay an attorney?

I would pay a few hundred dollars for a letter putting the tenant on notice and giving them a chance to stay and pay until you sublease it with them on the hook if the sublessee fails during the term of the sublease. In the end, you would likely need to rent the space and a court would likely award ...
by WhyNotUs
Wed Sep 20, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Contractor paid by hour charging for crew's breaks?
Replies: 6
Views: 902

Re: Contractor paid by hour charging for crew's breaks?

I would expect to pay for breaks but not lunches on T & M billing. Contractors typically have a daily work log. If you have specific questions, then you should be able to ask for supporting info. While it may not be practical to have tasks broken down by hour and person, you should be able to see th...
by WhyNotUs
Tue Sep 12, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4317

Re: What do you do in slow travels?

I love to spend time in Maui. Fruit and cereal, beach time (swim, paddle, surf, read, snorkel, or similar), then lunch/nap, hike in the afternoon, sundowner, fresh food for dinner, read, sleep. Repeat the next day until I go home.
by WhyNotUs
Tue Sep 12, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4240

Re: Electric car in evacuation situation

What happens when you're in your EV in Florida summer sun, and stuck in traffic. You are still pulling power to run the AC. Does this drain the battery appreciably? Of course if would drain the battery. Unless it was your first day driving, you would probably avoid or limit use of a/c depending on ...
by WhyNotUs
Fri Sep 08, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Have rental application, which service to use to run background check
Replies: 16
Views: 1393

Re: Have rental application, which service to use to run background check

mervinj7 wrote:
Thu Sep 07, 2017 4:08 pm
For those that have used TransUnion's SmartMove, does it report the tenant's income?
It gives income to rent ratio and total income.
by WhyNotUs
Fri Sep 08, 2017 2:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: IRMA coming to South Beach in Miami
Replies: 18
Views: 1824

Re: IRMA coming to South Beach in Miami

Best wishes Mel.

We think of the impact of the storm on our building as the primary challenge to safety but the next days without power, water, and ability to move about in a big storm are just as big of a concern.

Seeing the images from Barbuda and St John's are humbling.
by WhyNotUs
Wed Sep 06, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 108
Views: 16514

Re: Becoming a Landlord: My Experiences

I bought one like this several years ago and it has paid for itself a few times over
https://www.harborfreight.com/50-ft-com ... 68284.html
Has a root cutter attachment
by WhyNotUs
Wed Sep 06, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8549

Re: Protecting moms assets from nursing home expenses

Some states allow the individual's home to be excluded from Medicaid for nursing home. Personally, I am with the person who suggested finding a good situation (if not at home) that will allow your mother to stay after her funds run out. My mom attended a senior center program and one day they had a ...
by WhyNotUs
Wed Sep 06, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Have rental application, which service to use to run background check
Replies: 16
Views: 1393

Re: Have rental application, which service to use to run background check

I like TranUnion's Smart Move. Allows tenant to input info without giving it to me to honor their privacy.

https://www.mysmartmove.com/
by WhyNotUs
Wed Sep 06, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8960

Re: Contemplating an Electric Car

Pure EVs? Not with current ranges and recharging limitations. And, yes, I realize that things will change down the road to make them more practical. But at this point, they are expensive toys for early adopters. I also don't see traditional internal combustion vehicles disappearing completely, at l...
by WhyNotUs
Wed Sep 06, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8707

Re: When calculating net worth, how do you value your house?

But let's be honest, once someone's net worth gets into the hundreds of thousands of dollars, they're just tracking it to make themselves feel good or for bragging rights. They have a pretty good handle on finances at that point and there's really no need to track net worth. Other than to use it to...
by WhyNotUs
Wed Sep 06, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8960

Re: Contemplating an Electric Car

I have a 2013 Leaf and it has been a good car for us. Better than expected in the snow and the battery has been great. 46,000 miles and almost all capacity left. Colorado has a strong tax credit and the dealers are competitive. Right now the 2017s are selling at embarrassingly low prices and Nissan ...
by WhyNotUs
Wed Sep 06, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8707

Re: When calculating net worth, how do you value your house?

No sense in arguing with someone comfortable with using their own definition in spite of well established meaning. Assets - Liabilities= Net Worth is painfully simple to understand. The meaning of net worth to me is as a marker of wealth. Lots of people track income but not so much wealth, which in ...
by WhyNotUs
Tue Sep 05, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24210

Re: Name something you had to have and now you regret purchasing it?

Not much a regret guy but there was that hot tub...
Never did figure out maintenance
by WhyNotUs
Wed Aug 30, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy raw (unimproved) land?
Replies: 34
Views: 3679

Re: How to buy raw (unimproved) land?

I am wondering if there is anyone who can comment on experiences financing raw, unimproved land without immediate/planned development? I realize that the ideal situation would be to pay cash for it. I unfortunately don't have cash to buy it outright otherwise I would do that for sure. There is prob...
by WhyNotUs
Wed Aug 30, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rezoning and Development
Replies: 11
Views: 688

Re: Rezoning and Development

There are a few things that I would look into: • The new zone district- You will be signing a form to apply to rezone your property regardless of the sale- if the rezone goes through is there anything in the zone district standards that would create a problem for your current situation and reasonabl...
by WhyNotUs
Wed Aug 30, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1879

Re: ICE, hybrid, Phev, electric for short trips

And the replacement of a battery pack would be expensive. I might have more concerns re its winter performance in many parts of North America, particularly the Midwest. If/when I need a replacement, I expect to pay less than $2,000. I expect that to occur about year 8 or 150,000 miles. I will be lo...
by WhyNotUs
Wed Aug 30, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3188

Re: Beginner Mountain Bike

Some bad advice here IMO regarding used bikes and craigslist for a newbie. Starting with a safe bike that fits and comes with tunes from a local bike shop is much better advice and more likely to lead to someone actually using the bike and enjoying it. A LBS will carry less expensive bikes that will...
by WhyNotUs
Tue Aug 29, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1879

Re: ICE, hybrid, Phev, electric for short trips

Used late 2013 and 2014+ Leafs are a steal.
My 2013 has 46,000 miles and 97% State of Battery Health.

If the weather allows and you want to add some fun/exercise you could also consider a cargo ebike
https://www.radpowerbikes.com/products/ ... 3990617281
by WhyNotUs
Mon Aug 28, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3175

Re: Driving a car Italy, any suggestion?

Get out of Rome as fast as possible. I made the mistake of renting a car and running about the city, never again. Once you get in the country, no big deal. It is trains and hired drivers for me from now on.
by WhyNotUs
Sat Aug 26, 2017 8:45 am
Forum: Investing - Theory, News & General
Topic: Buying commercial real estate as investment
Replies: 7
Views: 777

Re: Buying commercial real estate as investment

As noted, this is a board focused on low cost index investing. Some have interest in commercial real estate but it is not the focus. RE is about the numbers, location, and creating a reliable pro forma.
by WhyNotUs
Fri Aug 25, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Buying vegetable seeds for my backyard
Replies: 15
Views: 1025

Re: Buying vegetable seeds for my backyard

One option is to buy great (higher priced) seeds and then learn to seed save from there on. My go to is: http://turtletreeseed.org/ My other supplier is for high altitude seeds (I live in mtns): https://www.seedstrust.com/ They have good info on seed saving at their site. I am not a comprehensive se...