Search found 1446 matches

by WhyNotUs
Wed May 22, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: Short (3 night) Catamaran Charter in USVI or BVI
Replies: 13
Views: 1023

Re: Short (3 night) Catamaran Charter in USVI or BVI

The typical charter trip involves arriving on a day and spending that night on the boat in the marina. Similarly, one spends the last night on the boat at the marina. One might get to leave the day of arrival with short hop. For instance, motoring from St Thomas to St John for the night. A captain w...
by WhyNotUs
Mon May 20, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: Next installment of my bike ride from Florence to Switzerland
Replies: 4
Views: 584

Re: Next installment of my bike ride from Florence to Switzerland

And to think that I was whining about cold hands on a ride yesterday 8-)
by WhyNotUs
Mon May 20, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 111
Views: 8308

Re: Selling home- Demanding Buyer (Repairs)

You need to get closure on the inspection period so that the buyers money goes hard. It sounds like you are granting extensions of DD and that needs to end so you can get off of the roller coaster. That way you can get to resolution. Was the perc test performed? If not, get a youtube video and do on...
by WhyNotUs
Mon May 20, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Home auction
Replies: 7
Views: 407

Re: Home auction

I bid on one but did not get it. The uncertainties of being unable to do an inspection led me to underbid in order to protect myself. From a walk around I could see some evidence of water infiltration but could not inspect to see what the cause was. The ultimate buyer figured out after purchasing. T...
by WhyNotUs
Mon May 20, 2019 8:33 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Trend Following As Insurance
Replies: 110
Views: 5474

Re: Larry Swedroe: Trend Following As Insurance

Almost seems too good to be true! http://i63.tinypic.com/2j0o3yu.jpg Go get em Tiger! You should be all in right now, at least in US employment. Let us know how it turns out. Larry has always seemed like a really smart guy and he seems to have to write a lot of columns. Over time one either becomes...
by WhyNotUs
Mon May 20, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Probate costs?--I am the sole heir and the executor
Replies: 65
Views: 5641

Re: Probate costs?--I am the sole heir and the executor

An immediate action to keep moving forward while you look for an hourly fee based attorney would be to establish an hourly fee with the drafting attorney and have them file the will or to pay them for work to date and file it yourself. As others note, if you hire an hourly atty, then you can negotia...
by WhyNotUs
Sun May 19, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5617

Re: Aiming to Retire End of 2019 - Abit Scared

Congrats on your upcoming retirement! You are better prepared that almost everyone currently living on this planet due to your hard work. A couple thoughts to consider. Given your exposure to contaminants, I would consider early to mid-80's for myself and mid-90's for my wife for financial planning,...
by WhyNotUs
Thu May 16, 2019 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Probate costs?--I am the sole heir and the executor
Replies: 65
Views: 5641

Re: Probate costs?--I am the sole heir and the executor

If you do not want to pay 3% then you better get on the horn with some probate atty's that will work by the hour. An accountant to deal with taxes is helpful as well. If the 2 sisters challenge the process, then you will be glad to have had an atty do things properly.
by WhyNotUs
Thu May 16, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5400

Re: Guidance on choosing between UMich and Brown

You have to search within yourself to see if you are open to humiliation at the hands of The Ohio State University every November.
by WhyNotUs
Thu May 16, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Driving in Lisbon Portugal?
Replies: 25
Views: 1277

Re: Driving in Lisbon Portugal?

Given this scenario you won't really be driving in Lisbon much at all. The core of Lisbon has narrow streets, lots of one ways, and some trolleys and that is what someone might fear. The airport is right off of E1 and that will connect to whatever route you are taking north. There are quite a few fr...
by WhyNotUs
Thu May 16, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Residential lot sale scenario... opinions?
Replies: 11
Views: 1006

Re: Residential lot sale scenario... opinions?

I don't know your market but in many places selling a lot is not all that easy. Most people like to buy houses, especially at $180k. Unless you are getting lots of interest, it might be worth trying to sort this out. In an active market, adjusting price can lead to results but with specialty propert...
by WhyNotUs
Tue May 14, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 91
Views: 6932

Re: Gardening 2019

5b
Planted- Beets, lettuces, kales, carrots, garlic (last fall), onions, leeks, peas, snap beans
Starters that will go in Memorial Day- Squashes (summer and winter) and peppers and pumpkins
by WhyNotUs
Sun May 12, 2019 7:20 pm
Forum: Personal Investments
Topic: So, I want to Retire - Help ?
Replies: 51
Views: 8047

Re: So, I want to Retire - Help ?

Check out websites on how to prepare yourself for ACA health insurance. Your loss and income and paid COBRA may position you for a reasonable plan. Think about this before selling any taxable assets. Develop Asset Allocation across all investments appropriate for age. Your proposed AA seems reasonab...
by WhyNotUs
Sun May 12, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: 4 nights in Lisbon stopover. Ideas?
Replies: 4
Views: 476

Re: 4 nights in Lisbon stopover. Ideas?

Sintra is a zoo in August, I would visit but not stay. You could go south to the Algrave for beach or up to Coimbra if you are looking for a historic, mountain experience or Evora for wine and culture.
I have spent a week in Lisbon and still had more left undone.
by WhyNotUs
Sun May 12, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Drill well today or drill well later?
Replies: 26
Views: 2122

Re: Drill well today or drill well later?

Easy, do nothing unless or until there is some change that warrants it (either you are ready to build or something else)
by WhyNotUs
Sun May 12, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage or Pay Cash
Replies: 21
Views: 2063

Re: Mortgage or Pay Cash

Scenario A- Mortgage with P & I will be greater than his SS income. Is he okay with that? Let's say after living two years with job income for maybe his retirement $ are the same at 62. He will need to buy insurance for the next three years plus normal living expenses. Will get easier once medicare ...
by WhyNotUs
Sun May 12, 2019 6:38 pm
Forum: Personal Investments
Topic: When will mortgage lender count my rental income?
Replies: 13
Views: 1077

Re: When will mortgage lender count my rental income?

If your current lender would not count that as income and it has been more than a tax year and shows on your taxes, then find a new lender.
by WhyNotUs
Sat May 11, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Potential Real Estate Rental Investment
Replies: 11
Views: 1052

Re: Potential Real Estate Rental Investment

You might be able to find an RE investment spreadsheet on the web (I have not looked), I have used an app called Property Evaluator for several year http://realestatetools.com/#apps It is simple to use and will help you work through expenses that I am not sure you are evaluating and give you a 5, 10...
by WhyNotUs
Thu May 09, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Island life?
Replies: 54
Views: 6836

Re: Island life?

Not retired but lived in HI for a while and owned a farm there for more than a decade. You either get the culture or you probably won't have that much fun. It is expensive and there are plenty of obstacles to ease. Also a tough place for families unless you have big $$. I never had island fever but ...
by WhyNotUs
Wed May 08, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Going solar
Replies: 29
Views: 2253

Re: Going solar

When I looked at it in some detail 10 years ago or so, the payback/breakeven was far enough out that it was a lot closer to the (pessimistic) usable life than I'd like. Of course the panels themselves are cheaper now. No relationship to prices today. A TB of storage was also very expensive 10 years...
by WhyNotUs
Tue May 07, 2019 7:12 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13264

Re: I tried to fire my financial advisor of 12 years today...

Two thoughts • It is your money, you can spend it as you like. If you want to spend it on your advisors retirement that is your prerogitive, see recent thread https://www.bogleheads.org/forum/viewtopic.php?f=10&t=217026&newpost=4532344 • You need to have a transition plan if the money is in taxable ...
by WhyNotUs
Sun May 05, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Anyone lived in Old Northwest Reno or Sparks
Replies: 10
Views: 1112

Re: Anyone lived in Old Northwest Reno or Sparks

Used to have an office there and a rental home. I like the area bounded by Plumb- Arlington- California. Classic old Reno. Not sure where you mean by Old NW. Does that mean inside McCarran loop? If so, that would be fine. Sparks is huge. Had a rental out by Sparks Blvd. It was good for bike access t...
by WhyNotUs
Sun May 05, 2019 7:50 am
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2098

Re: College Tours and Open Houses

Costs notwithstanding, what are some suggestions those of you who have been through this already can offer as we continue this process? Funny part to me is that some parents/students are about to spend $200k or more and see themselves as needing to impress schools. Spending that kind of cash based ...
by WhyNotUs
Fri May 03, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Canadian Pharmacies
Replies: 27
Views: 2287

Re: Canadian Pharmacies

Online confessions?
by WhyNotUs
Thu May 02, 2019 8:09 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 92
Views: 13002

Re: Do you invest in Real Estate ? Why ?

Like Sandtrap said you are comparing apples and oranges if you are comparing individual property investment to index funds. A passive, liquid, diverse, cash investment with an active (varies but always more than index), illiquid, non-diverse, leveraged investment. That makes no sense. I invest in RE...
by WhyNotUs
Tue Apr 30, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Best use of Chase Sapphire Preferred points?
Replies: 27
Views: 2713

Re: Best use of Chase Sapphire Preferred points?

Airline point values are pretty easy to find, TPG or similar

Ultimate Rewards travel site gives you prices for travel and you can then to do the math to compare.
by WhyNotUs
Tue Apr 30, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Is the United Airlines Online Reservation System Confusing, or Is It Me?
Replies: 17
Views: 1187

Re: Is the United Airlines Online Reservation System Confusing, or Is It Me?

Lufthansa has a pretty good website and is an excellent airline (better than United IMO) so the easiest path is to book it there.
by WhyNotUs
Mon Apr 29, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Do insurance cos need SS number to quote auto & home?
Replies: 10
Views: 796

Re: Do insurance cos need SS number to quote auto & home?

They plan to run a credit check on you and based their coverage quote in part on the findings
by WhyNotUs
Sat Apr 27, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Want to Make Millions and Pay No Taxes? Try Real Estate
Replies: 6
Views: 1605

Re: Want to Make Millions and Pay No Taxes? Try Real Estate

Or join the S & P 500. About 60 of them reported paid zero or a negative rate rate in 2018. According to recent report IBM paid -68%. Personally, I have benefitted greatly (though not as much as IBM) from the common resources of the US and grumble some while paying but realize the need to help fund ...
by WhyNotUs
Sat Apr 27, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Best email client for Mac?
Replies: 13
Views: 1058

Re: Best email client for Mac?

Have researched a few times over the last couple years as Mail disintegrated and could not find anything superior to just using gmail app or website.
by WhyNotUs
Wed Apr 24, 2019 1:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 148
Views: 12781

Re: Vanguard Announces Plans to Launch Commodities Fund

jdb wrote:
Wed Apr 24, 2019 6:54 am
I’ll stick with the plain vanilla Vanguard funds. Good luck.
Perhaps someday Vanguard will also.
by WhyNotUs
Tue Apr 23, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5029

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I have the same router and it has a heavily used guest network. Three years in I think it is better than my old Extreme. / OP, I have good experience with this router and I bought two for my kids to be used in their colleges. And, the price is great! It is less than $50. https://www.amazon.com/TP-Li...
by WhyNotUs
Tue Apr 23, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Navigating the Appraisal and Inspection as a Seller
Replies: 36
Views: 1857

Re: Navigating the Appraisal and Inspection as a Seller

Inspections- Fix things are that meaningful but relatively easy and quick. Offer price discount for items that need more lead time or you don't have capacity to deal with. Non-meaningful or trivial share with buyer that you feel these items are observations from the inspector that the buyer can choo...
by WhyNotUs
Tue Apr 23, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Retractable Patio Awnings Recommendations
Replies: 6
Views: 625

Re: Retractable Patio Awnings Recommendations

Have had a sunshade for 10 yrs and it still looks and works good but I cover it in winter when I would not use it. The installation is actually a little bit of a chore. It is heavy, mine is electric so it may weigh a bit more, and required two people on ladders holding it up to set it. It was doable...
by WhyNotUs
Sun Apr 21, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1296

Re: Traveling to paris and amboise next week

There are hybrid bike rentals available by the river in Amboise. There is a delightful loop around the area and great touring along the river trail. If you are up for 40 Km, then this is a great loop that includes Chateau Chenonceau about half way. https://www.outdooractive.com/en/route/bicycle-ride...
by WhyNotUs
Thu Apr 18, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3329

Re: dropping umbrella and increasing auto liability

drawpoker gets you headed in the right direction, make a real assessment of your other risks- teens, dogs, boats, recreation activities, swimming pool, trampoline, etc.
by WhyNotUs
Tue Apr 16, 2019 10:22 pm
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 87
Views: 10857

Re: $1.1 million rental portfolio, but tired of being a landlord

Calculating Cap Rate is on purchase cost rather than market value.
by WhyNotUs
Tue Apr 16, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Considering an e bike or conversion kit
Replies: 20
Views: 985

Re: Considering an e bike or conversion kit

I have a Haibike Trekking 6.0 among other bikes. It is really fun and has made longer rides more fun. Also am all solar and have an electric car (Leaf) :sharebeer :sharebeer There are people who stick their nose up about them, I used to be one, but fewer people of that ilk each year. An experience r...
by WhyNotUs
Mon Apr 15, 2019 11:13 pm
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 87
Views: 10857

Re: $1.1 million rental portfolio, but tired of being a landlord

Questions: 1. Is $40k-$50k net profit + $18k in depreciation per year a good "return" on $1.1 million worth of assets? Or can this investor make the same amount of money (with less work) buying municipal bonds? First, I would be looking at current return based on your basis ($500k). Your cap rate an...
by WhyNotUs
Wed Apr 10, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8267

Re: Are Airport Lounges Worth the Money?

It changes rapidly so answers today are not likely to help you in future retirement. I have Priority Pass access through cc, they tend to be second tier but it has come in handy several times, especially on intl fights.
by WhyNotUs
Tue Apr 09, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: SOUTHWEST Companion Pass, destinations
Replies: 6
Views: 674

Re: SOUTHWEST Companion Pass, destinations

We are using it for trips to Maui and NYC so far, more to come. I don't normally play cc games but did this one and it paid off immediately. Got the Maui tix with the miles they gave me, plus free companion, and the cc fee included a credit that paid taxes and early check in. Where I would go for a ...
by WhyNotUs
Tue Apr 09, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: New homeowner wants to DIY, but disappointed today
Replies: 50
Views: 5042

Re: New homeowner wants to DIY, but disappointed today

Google "growth mindset"
https://www.brainpickings.org/2014/01/2 ... k-mindset/

far more important than whether you call a plumber or not.

I have screwed up many projects and learned from each one. Now I am good at some and less bad at others :sharebeer
by WhyNotUs
Fri Apr 05, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2283

Re: Clipless pedals for a hybrid bike

+1 for Shimano SPD, I have them on my workhorse hybrid and as others have noted can buy mtn bike shoes that I can wear into a meeting without drawing attention. Also have many, many miles on gravel and dirt without issues. Once I got the right level of release tension set, they have been perfect. I ...
by WhyNotUs
Tue Apr 02, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Amazon Fire Tablets are on sale ......
Replies: 14
Views: 1413

Re: Amazon Fire Tablets are on sale ......

My favorite thing about my fire was that if I lost or broke it, I was not out as much as when I lost or broke my ipad.
It is good as a toy but not a tool.
by WhyNotUs
Mon Apr 01, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Wood vs Laminate Flooring
Replies: 56
Views: 4258

Re: Wood vs Laminate Flooring

If you know you are selling in 5 years, laminate. Also an easier DIY install in most cases.
by WhyNotUs
Sun Mar 31, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: COPA Airlines
Replies: 13
Views: 1177

Re: COPA Airlines

Have had a couple uneventful flights in Peru and Panama.
by WhyNotUs
Sun Mar 31, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13110

Re: Folks in their 60s and above. What early investment on health do you recommend.

Advice to 30 yo self.
Mountain Bikes will have suspension soon, don't ride those trails now, wait.
Ease up on the simple carbs

What has worked for me?
Being active
Loving
Not making decisions based on fear
Knowing that I am ultimately not in control
by WhyNotUs
Sat Mar 30, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Is it likely I can get a rental house at 22 with low income?
Replies: 8
Views: 573

Re: Is it likely I can get a rental house at 22 with low income?

The duplex idea is a sounds one for me. You can try to get it as primary by living in half and spend the time needed fixing it up and then renting it out. Read the loan paperwork to make sure that you can move out without having to refi the loan. A Credit Union that you are a member with is a good p...