Search found 1726 matches

by WhyNotUs
Mon Jul 06, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 8
Views: 536

Re: Global Entry Interview conditional approval (365 day clock)...

When they canceled my reservation due to the "emergency" at our southern border, they did not extend or refund my fee. Has anyone who has conditional approval for Global Entry (with a requirement to complete the interview within 365 days) have any info on whether the 365 day deadline will be extende...
by WhyNotUs
Thu Jul 02, 2020 7:28 am
Forum: Personal Investments
Topic: Is wealthfront Stock Level investing under appreciated by Boglehead community?
Replies: 47
Views: 2815

Re: Is wealthfront Stock Level investing under appreciated by Boglehead community?

They probably already have a task force working on the next name and concept. But seriously, I would not rule something out with a 0.25% fee if it serviced my specific circumstances in a way that added value without adding risk. Given your description of your situation, tax considerations and tax pl...
by WhyNotUs
Thu Jun 25, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Site unseen offer on House
Replies: 39
Views: 3396

Re: Site unseen offer on House

Well you do not have to change price based on inspection and the seller can walk. Not sure that I am seeing the problem if your realtor has qualified the buyer. It would not take much work to figure out if they are a low baller. Your realtor can also share your position on price changes based on ins...
by WhyNotUs
Sat Jun 20, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: Porsche has the answer
Replies: 4
Views: 1070

Porsche has the answer

Posters often come here looking for a four wheeled symbol of their success to display or reward themselves. Porsche has a great new idea: https://www.porsche.com/usa/accessoriesandservices/porschedrive/subscription/faq/ A monthly subscription to a fleet of Porsches. Seems like a pretty fun splurge f...
by WhyNotUs
Thu Jun 18, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Roofing quote
Replies: 11
Views: 738

Re: Question about Roofing quote

BTW, you are going to have a much better performing roof rather than just new shingles with the proposed work plan. Venting, drip edge, fascia, ice shield are all upgrades. My only suggestion would be to consider architectural long-life shingles if you are going to keep this. The other changes that ...
by WhyNotUs
Thu Jun 18, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Might buy a beach house. Looking for advice.
Replies: 42
Views: 5766

Re: Might buy a beach house. Looking for advice.

I have been a landlord and a VRBO owner, not likely to do a VRBO again PITA Goals - Rental income would be used to pay all expenses associated with the property. Any excess would likely go to mortgage reduction. I am not counting on this property to generate income to sustain our lifestyle. Questio...
by WhyNotUs
Thu Jun 18, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 110
Views: 7437

Re: E-Bike recommendations

This transport problem of not being able to lift things would be a "deal breaker" for me. Is there a bike rack that is receiver mounted and the bike/E-Bike can be rolled up onto it? j :happy https://www.discountramps.com/motorcycle-carrier/p/AMC-400L/?gclid=EAIaIQobChMIiImH9MyM6gIVT9bACh0ingujEAQYA...
by WhyNotUs
Thu Jun 18, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10392

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

I have had to do this on investment properties in the past. Not that big of a deal to me.
by WhyNotUs
Mon Jun 15, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 110
Views: 7437

Re: E-Bike recommendations

This is great advice. We just got back from a 12 mile ride in our new neighborhood. It was great fun. My wife like to pedal more than I do, but we could still ride together. And I found a way to override the 20 mph speed limiter and had great fun with that. Was going 35 mph on flat ground and 25 mp...
by WhyNotUs
Sat Jun 06, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 110
Views: 7437

Re: E-Bike recommendations

Really comes down to what battery you bought for your S. My wife goes 40 miles and still has charge left on hers. I bought a Juiced CrossCurrent S2. My only regret is not getting the CrossCurrent X.... mainly for the bigger battery (but it would have been around $700 more... not trivial). I'd like t...
by WhyNotUs
Thu Jun 04, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 110
Views: 7437

Re: E-Bike recommendations

Around here, renting would get expensive pretty fast. Buying a mid-range ebike for the type of use being discussed would make sense over the long run. Fortunately, there are some good ones, a couple to consider RadCity Step Thru The step thru and long seat post makes it so that anyone can ride this ...
by WhyNotUs
Fri May 22, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: what to do about 1000s of dandelions/weeds?
Replies: 60
Views: 4914

Re: what to do about 1000s of dandelions/weeds?

Dandy's are dandy, give them. a big hug

Around these parts they are reason for a celebration
https://www.postindependent.com/news/ca ... elion-day/

Early food for bees
salad green
homebrew and/or coffee alternative
wine

What else can you do with turf?
by WhyNotUs
Thu May 14, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: PPP - Independent Contractor Eligibility as Payroll Cost
Replies: 5
Views: 203

Re: PPP - Independent Contractor Eligibility as Payroll Cost

I do not recall previous guidance suggesting that contractors counted as FTEs. Do you?
by WhyNotUs
Tue May 12, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard Digital Advisor—personalized online financial advice at your fingertips
Replies: 8
Views: 766

Re: Vanguard Digital Advisor—personalized online financial advice at your fingertips

15 basis points for a 4 fund ETF portfolio from a computer, that is a great business model... for VG
by WhyNotUs
Sun May 10, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2592

Re: Buying a used Jaguar

Jags are fun to lease new as they are good for about three years. After that, they can be fun if a convertible and you do not need to to run.
by WhyNotUs
Wed May 06, 2020 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9970

Re: How Do Early Retirees Pay for Medical

Only slightly "early" at age 61. ACA, and we have a good insurance plan here unlike some states. Planned ahead so that we are (mostly) living off cash from taxable account until age 65 (enough dividends in taxable to avoid the lower threshold, which would mean Medicaid). We manage our Modified Adju...
by WhyNotUs
Wed May 06, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4598

Re: 2020 travel plans

We had three trips and canceled all.
We will do some camping this summer and maybe a bike trip in the fall.

Not the year for big trips for me.
by WhyNotUs
Sun May 03, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: [Are American markets likely to outperform INTL]
Replies: 237
Views: 16308

Re: American exceptionalism

Economy and markets are different things but linked. Over time, the international investments will probably be more profitable from a market perspective. Much of the gains in equities have come from worker extractions and externalizing costs. That will likely be increasingly harder as Main St. reali...
by WhyNotUs
Sun May 03, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4854

Re: Front load washing machine recommendations

We have a 10+ year old Kenmore. Leaving the door open a little is important but we did not know that at first and ended up buying a replacement seal. Other than that, it has been a fine washer. It was our first front loader and I did not read the manual.
by WhyNotUs
Sun May 03, 2020 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33842

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I applied for but never did receive the EIDL. Is this program still active? gasdoc Yes, I have a client who applied the second day and heard nothing. They assumed that it was dead. Last week an amount equal to $1k per FTE was deposited into their account. It will be a loan as they received PPP loan...
by WhyNotUs
Sat May 02, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Property Inheritance
Replies: 17
Views: 2079

Re: Property Inheritance

One might notice that money can tend to have anti-social impacts. This type of situation is painfully common. As noted, the executor will be able to sort this out or it will be addressed in court at the estate's expense. Hopefully relationships will survive.
by WhyNotUs
Sat May 02, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16583

Re: Neighbor’s contractor wants to access our property

If they have another option, I would say no. If there was no other option, then I would ask them for a few hundred dollars to have my attorney write up an agreement that made me comfortable. Building projects almost never go the way that you think they will and there are lots of blow and go contract...
by WhyNotUs
Fri May 01, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: PPP FTE Requirement Question
Replies: 4
Views: 214

Re: PPP FTE Requirement Question

FAQs are refining the PPP rules as situations evolve, worth keeping up with them if this is important to your business.

https://home.treasury.gov/system/files/ ... stions.pdf
by WhyNotUs
Thu Apr 30, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 3082

Re: Are gamblers using the market now that casinos are closed?

There are lots of ways to gamble in the gaming sense of the word without going to a casino. You might be looking at increased bookie and onling gambling.
by WhyNotUs
Thu Apr 30, 2020 12:15 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 64037

Re: So bottom is probably behind us....right?

"Did everyone think in May 2008 that they reached the bottom 2 months ago?"

When Lehman was allowed to die in September 2008 the situation took on a new level of reality to Wall St. so it really didn't matter what people thought in May.
by WhyNotUs
Wed Apr 29, 2020 6:33 pm
Forum: Investing - Theory, News & General
Topic: What explains the continued rise in equities?
Replies: 167
Views: 12912

Re: What explains the continued rise in equities?

the government shoveling $6 Trillion in over two years is likely a factor
by WhyNotUs
Wed Apr 29, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Boat club - liability insurance
Replies: 8
Views: 670

Re: Boat club - liability insurance

My sailboat was covered by our umbrella but I put that in the requirements when I bid it out, not sure if it would have bene included otherwise.
by WhyNotUs
Wed Apr 29, 2020 4:01 pm
Forum: Investing - Theory, News & General
Topic: Image for my investing scrapbook
Replies: 3
Views: 355

Re: Image for my investing scrapbook

That is a keeper!

Now that tiny pic is gone I don't no how to create images for the forum :(
by WhyNotUs
Wed Apr 29, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Image for my investing scrapbook
Replies: 3
Views: 355

Image for my investing scrapbook

I took a screenshot for posterity. Yahoo Finance had a breaking news box with Fed holding rates at zero due to sharp declines and above the word declines is the ticker for Russell 2000 showing it up almost 6%.

Yeesh
by WhyNotUs
Tue Apr 28, 2020 10:55 pm
Forum: Investing - Theory, News & General
Topic: When is past information useful?
Replies: 21
Views: 1217

Re: When is past information useful?

Insert mic drop emoji Seriously, "nobody knows nothing" is tempting but in general the principles in the wiki seem to work as well as anything. When you pierce the veil of risk, one realizes that things need not work the way that they did in the past but they often do. History is a sketchy business ...
by WhyNotUs
Tue Apr 28, 2020 10:42 pm
Forum: Personal Investments
Topic: Anyone Heard of the Dividend Machine or High Yield Landlord?
Replies: 59
Views: 4007

Re: Anyone Heard of the Dividend Machine or High Yield Landlord?

"High Yield Landlord" :shock: Slum Landlord? j :oops: Funny that was my first thought as well. In college I worked for a bit one summer for a really bad landlord who preyed on low income African American communities and Section 8 type housing tenets. I went around to very low quality units and patc...
by WhyNotUs
Sun Apr 26, 2020 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 13023

Re: Moving out of NYC due to pandemic

You could always start having weekend outings to potential relocation areas to do homework while you let things settle down.
by WhyNotUs
Sun Apr 26, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Polywood Patio Furniture
Replies: 6
Views: 687

Re: Polywood Patio Furniture

We have a set that is about 10 years old. Once a year I check the connections with allen wrench and clean with soap and water, other than that we do nothing. They set out in a harsh environment all winter and still look great. I did buy a bottom seat pad to soften up the ride.
by WhyNotUs
Sun Apr 26, 2020 9:00 pm
Forum: Personal Investments
Topic: Why am I even saving for retirement?
Replies: 223
Views: 20256

Re: Why am I even saving for retirement?

I was rooting for your until your said yacht, now I know you need more money :D I don't know about you. But, if you quit working today, how are you going to cover your health insurance. Especially today, when pandemic cloud is blooming, when you need insurance more than ever as the coronavirus doesn...
by WhyNotUs
Fri Apr 24, 2020 10:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new forecast from Christine Benz
Replies: 38
Views: 6718

Re: Vanguard's new forecast from Christine Benz

Vanguard guessers like others use the same technical approach.

1.) Insert finger into mouth and wet thoroughly

2.) Release finger and point it vertical about eye level

3.) Assess which way the wind is blowing

4.) Forecast weather based on response to finger impulses
by WhyNotUs
Fri Apr 24, 2020 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Chase PPP Failure--Part Deux
Replies: 24
Views: 1939

Re: Chase PPP Failure--Part Deux

Any system to shovel $350B into the economy at small business level in two weeks will have its glitches and abuses. The intention is to allow small businesses to still be in place as the economy seeks to reopen. Overall, I think it was a good idea. People gaming the system for personal benefit is a ...
by WhyNotUs
Thu Apr 23, 2020 11:19 pm
Forum: Non-US Investing
Topic: Romanian total beginner starting to invest in OIL
Replies: 17
Views: 1059

Re: Romanian total beginner starting to invest in OIL

Buna Ziua (about all that I can remember from 4 quarters of Romanian in college 40 years ago) Most of the popular investmetn websites - yahoo finance, marketwatch, or others- will allow you to create portfolios without actually buying the positions. That would allow you to try a few different invest...
by WhyNotUs
Thu Apr 23, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: Zoom meetings
Replies: 39
Views: 3158

Re: Zoom meetings

I have the paid version but tell participants that I have the free to limit meetings to 40 minutes :sharebeer
by WhyNotUs
Sun Apr 19, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Pool of Water six feet from foundation of front of home
Replies: 30
Views: 2562

Re: Pool of Water six feet from foundation of front of home

The challenge is to offer a prescription that is the right one with so little description. The fact that you have ponding suggests heavy clay soils and that might lead to certain types of solutions but one would be basing all of that on that assumption, which could be wrong. A French drain might be ...
by WhyNotUs
Fri Apr 17, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Growing Potatoes
Replies: 9
Views: 1042

Re: Growing Potatoes

My lesson learned about potatoes is not to over-water.
by WhyNotUs
Fri Apr 17, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: How Bad is Forecast GDP Growth for 2020?
Replies: 31
Views: 2075

Re: How Bad is Forecast GDP Growth for 2020?

Does it still work when the companies that are supposed to be getting destroyed and replaced with newer better ones are instead propped up by the government / central banks? Ha, excellent point. Perhaps in the future, capitalism will be described as "a perennial gale of secular stagnation." I certa...
by WhyNotUs
Thu Apr 16, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Sole proprieter PPP loan
Replies: 27
Views: 1980

Re: Sole proprieter PPP loan

Looks like self-employed solo will be able to achieve forgiveness for the 2 months based on 2019 average net and the remaining 0.5 will be a loan. Expenses should have been included in the Schedule C so no need for additional deduction or proof. I like how simple and clean that is. From recent rules...
by WhyNotUs
Thu Apr 16, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14528

Re: Apple Released a New Low-cost Iphone

Good timing Apple
by WhyNotUs
Wed Apr 15, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7692

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

FWIW, If it was me, I would sign for the smaller amount and then do the amendment later. This money is going fast, there may or may not be more. Applied through our regional bank on 4/4. Received final paperwork on Monday 4/13 that included the requested amount and the SBA loan number. However, our ...
by WhyNotUs
Wed Apr 15, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Sole proprieter PPP loan
Replies: 27
Views: 1980

Re: Sole proprieter PPP loan

Form an oversight perspective, the rule refinements seem to make sense. Thanks for posting the link!
by WhyNotUs
Mon Apr 13, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Raised Garden Beds - Building Material
Replies: 40
Views: 2006

Re: Raised Garden Beds - Building Material

If you are growing food, I wouldn't use pressure treated.

I build a raised be with concrete landscape blocks and have an elevated bed with cedar. I thought about composite but am growing food so decided not to use it.
by WhyNotUs
Mon Apr 13, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Hand Truck Tire Replacement
Replies: 19
Views: 768

Re: Hand Truck Tire Replacement

Changing to solid tires was the best thing that I did. Would like to do that on my snow blower next.
Harbor Freight, Tractor supply, etc. are the solution
by WhyNotUs
Fri Apr 10, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33842

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I hope that it works out for you. Best wishes That will come out in the guidance, which does not seem to have appeared yet for my bank even though the application process opened today. That suggests a lack of clarity from SBA. When the Consumer Financial Bureau was created, my bank stopped letting p...