Search found 1317 matches

by WhyNotUs
Sat Sep 22, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 5
Views: 611

Re: Bareboat Charter in BVI

The advantages of a monohull are at sail. They cut a better line and are funner to sail. Cats are the bomb when you drop anchor, comfort, more privacy, better common spaces. They are fun to dive/snorkel from, people love stargazing from the trampoline, etc. If your trip is just jumping from ball to ...
by WhyNotUs
Fri Sep 21, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7439

Re: Hubby soon to be laid off

FWIW, I would keep a laser focus on Medicare/health insurance issue. The cost of private health insurance for those in their 60's is staggering. My first target would be getting on medicare ASAP. If that requires a wait, then I would see what my company can offer through severance and COBRA. Renting...
by WhyNotUs
Wed Sep 19, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Avoid Capital Gains on Real Estate
Replies: 9
Views: 1070

Re: Avoid Capital Gains on Real Estate

Selling the entire property, including my house, is definitely a possibility and something that I would entertain. I am not sure how attractive that would be to a potential buyer. As I understand, if you sell the house and the lot split off the original property within two years of each other, then...
by WhyNotUs
Wed Sep 19, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1221

Re: Attic Insulation Removal/Replacement Costs

I installed R-60 several years ago and the difference is quite notable. The summer experience is very impressive. We leave the windows open during cooler nights and close them in the morning. Until about 6 pm one would think that we were using a swamp cooler. I spent a little less than $1,000 DIY on...
by WhyNotUs
Tue Sep 18, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Concrete company refusing to lower bill
Replies: 22
Views: 1772

Re: Concrete company refusing to lower bill

Bone up on construction lien's in your state and the process for someone to post one if you are going to write off the situation.
by WhyNotUs
Tue Sep 18, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable fee charged by financial planners?
Replies: 30
Views: 2121

Re: What is a reasonable fee charged by financial planners?

In my limited experience there is a flat annual fee and an hourly fee for meetings. My only experience was for a niece who inherited quite a bit of money. She ultimately rejected my proposed direction but I did the homework. These are 8 year old numbers from a HCOL area based on my recollection. $2,...
by WhyNotUs
Tue Sep 18, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. EJ vs. Fidelity
Replies: 13
Views: 969

Re: Vanguard vs. EJ vs. Fidelity

VG or Fido would be fine. If there is a walk-in office for Fidelity in your town, that might be the easiest way to move forward. Both offer low cost target retirement date funds that are great.
by WhyNotUs
Mon Sep 17, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2951

Re: Anyone hire an interior designer?

vveat wrote:
Mon Sep 17, 2018 9:03 pm
I have used an online design service 3 times. Here is the link
http://www.interiordesignserviceonline.com/
Interesting, I am bookmarking that for a future house warming gift.
by WhyNotUs
Mon Sep 17, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2915

Re: How to determine quality of a finished new construction home

Hi, Can you recommend things to watch for to determine if a done new construction home is low, average or high quality? A general contractor of custom homes is usually a manager of various subcontractors that do much or most of the work. During due diligence ask for a list of those subcontractors b...
by WhyNotUs
Wed Sep 12, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3336

Re: Bike computer or Apple Watch?

How quickly this has escalated from replacing an old cyclemeter to $750 pedals that require changing before a ride and charging :-) As long as we are making things way too complicated, there may be a triathlete watch out there that would work for scuba and biking :beer Good luck Texasdiver! While I ...
by WhyNotUs
Mon Sep 10, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose a real estate agent?
Replies: 24
Views: 2096

Re: How to choose a real estate agent?

The top things that you need from a realtor are: A comprehensive market analysis of your area to price the home properly Advice on the minimum you need to do to prepare the home for prompt sale A marketing plan with specific commitments for what they will do during the life of the listing to get it ...
by WhyNotUs
Mon Sep 10, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid Capital Gains on Real Estate
Replies: 9
Views: 1070

Re: Avoid Capital Gains on Real Estate

Unless your income is huge, the 15% capital gains tax is a small price to pay to get in and out of a hot market without actually doing much work. You will need to do a subdivision or lot line adjustment to create your new developer ready lot that would make it practical to develop, if I followed you...
by WhyNotUs
Mon Sep 10, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3336

Re: Bike computer or Apple Watch?

While I agree with Elysium, the fact the OP uses several bikes makes watts metering less practical than cadence. At least with the technology that I am aware of. Cadence is the most important info for non-mountain bike riding IMO. Cadence is what can make a rider efficient. I do not know of anything...
by WhyNotUs
Mon Sep 10, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4518

Re: $250,000 family loan to parents?

People are making this way to complicated. A simple home loan to your parents, sounds like a primary mortgage. It has the benefit of being truthful, simple, and protects everyone. Why make it more complicated than that? Give them time to process the changes in their life and ease out of the old hous...
by WhyNotUs
Mon Sep 10, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid Capital Gains on Real Estate
Replies: 9
Views: 1070

Re: Avoid Capital Gains on Real Estate

However, why not sell all of it (house and land) to the developer, at the same time, which would then allow you to legitimately apply the residential sale gain exemption of the 500k? Ace Not really, the OP is buying a separate parcel and thus it is not part of primary residence. Now one could go th...
by WhyNotUs
Mon Sep 10, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid Capital Gains on Real Estate
Replies: 9
Views: 1070

Re: Avoid Capital Gains on Real Estate

Does not pass a sniff test. There might be a deferral option through 1031 and you would clearly want to load up the primary to optimize use of $500k tax-free (assuming you are married).

You are wise to contact a tax person before doing anything.
by WhyNotUs
Sun Sep 09, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Primary Res and Rental Prop MTG gymnastics
Replies: 3
Views: 344

Re: Primary Res and Rental Prop MTG gymnastics

Any suggestions on refinance oppportunites which might either free up a little monthly cash(to invest) or perhaps save some tax dollars. That 600 a month is nice but fully taxable. I believe the guideline is 75% CLTV for a rental prop. Does not look like enough equity to cash out the rental to pay ...
by WhyNotUs
Sat Sep 08, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3336

Re: Bike computer or Apple Watch?

Cadence is the most important info for non-mountain bike riding IMO. Cadence is what can make a rider efficient. I do not know of anything other than a bike computer that tracks cadence but I am not up on all of the newest toys. In fact, cadence is the only info that I really need during a ride when...
by WhyNotUs
Sat Sep 08, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1672

Re: Buy a house that needs full renovation?

I have been involved with investment property that had mold and asbestos and had to be taken down to the studs. Minor structural issues from moisture- rim joists rotten. Hard to tell from the info provided whether you have your arms around this or not. That to me would be the key to knowing whether ...
by WhyNotUs
Tue Sep 04, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9774

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I use DAN, as we are divers, and Chase Sapphire Reserve coverage

note: we have never filed a claim on either but know a couple people who benefitted greatly from DAN insurance after dive issues.
by WhyNotUs
Tue Sep 04, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Storage facility as investment.
Replies: 18
Views: 1606

Re: Storage facility as investment.

I passed on an opportunity some years ago and it would have been very lucrative. My friend that took my place has enjoyed steady passive income and the project is nearly paid off by now. It will be a nice supplement to their retirement income. Each situation is different and requires typical due dil...
by WhyNotUs
Fri Aug 31, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1569

Re: Getting quotes for geothermal

FWIW, the system that you are seeking is really geo-exchange rather than geothermal.
by WhyNotUs
Tue Aug 28, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Health care question - self employed- Whats your plan? Advice Needed
Replies: 18
Views: 1452

Re: Health care question - self employed- Whats your plan? Advice Needed

Every year for the last 30 or so, I buy less coverage for the same or more dollars. There is not silver bullet, especially for those over 50. Ridiculous deductibles and high monthly premiums. At least the ACA sets some standards for policies, now we have these goofy religious and share plans. What a...
by WhyNotUs
Mon Aug 20, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for a pep talk
Replies: 39
Views: 4986

Re: Looking for a pep talk

We have $450 in investments (retirement and 529’s) a lot of cash ($220k) in savings because we will need at least some of it when we do decide to buy and when an opportunity to buy into the practice becomes available in two years. Our net worth keeps hovering around $450k. Is there a dollar amount ...
by WhyNotUs
Mon Aug 20, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 11921

Re: Is a million really the benchmark for retirement

The advice about focusing on expenses and accounting for SS and pensions is sound. Maybe 15% of households have saved $1M at 65. 5% had more than $3M in 2013. Median was about $200k.

Keep these things in mind when reading comments from posters here. More focused on investment than most households.
by WhyNotUs
Tue Aug 14, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1051
Views: 82274

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

An American investor can be perfectly happy with a low or no Int'l index portfolio. Both Buffett and Bogle have been cool to them. NYSE traded companies usually have int'l exposure. TSM is pretty diverse. At the same time, there is nothing wrong with having Total Int'l in your mix. More diversificat...
by WhyNotUs
Thu Aug 09, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 2094

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: 4887

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: 4107

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: 4887

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: 240
Views: 21524

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: 5428

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: 28
Views: 2824

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: 238
Views: 22490

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: 28
Views: 2824

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: 3549

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: 13003

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: 13003

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: 4197

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: 3692
Views: 1058025

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: 5025

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: 1940

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: 4078

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: 4256

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: 7582

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: 7270

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: 4197

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: 4197

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: 811

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: 10443

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...