Search found 1186 matches

by WhyNotUs
Sun Feb 18, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: what is marginal tax rate?
Replies: 23
Views: 1688

Re: what is marginal tax rate?

I am in the 25% Fed bracket, 9.3% California. When I start paying AMT, my marginal rate jumps to 41.8% (fed + state). I am hardly in a high income bracket. Nothing chaps my hide more than hearing people say the rich need to pay their fair share. :annoyed I know what you mean, I also know that there...
by WhyNotUs
Sat Feb 17, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4824

Re: Best plants to grow to save money for food costs

Salad greens- easy to grow and daily eater. Organic ones are about $9 a lb here

Herbs- indoor or out and year around. May not be a huge saver since most people do not use fresh ones often, but it will make your dishes pop

Zucchini- prolific
by WhyNotUs
Sat Feb 17, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 28
Views: 2588

Re: Transition from house to apartment

To get $4k a month out of a $580,000 investment would require about 8.5% before taxes. That is a tall order to ask. A 4% return would get you about half of your desired funds.
by WhyNotUs
Sat Feb 17, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on Primary/Rental Purchase: killing cash-flow
Replies: 24
Views: 1575

Re: Sanity Check on Primary/Rental Purchase: Killing cash-flow

Given that you like the location and school district and seem like someone who will do their homework I would offer a few comments. Sounds like you have used a spreadsheet or some form to calculate this idea. I would encourage you to either buy a RE investor app or adjust your spreadsheet to include...
by WhyNotUs
Wed Feb 14, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Vanguard Golf Balls
Replies: 15
Views: 1463

Re: Vanguard Golf Balls

Never out of bounds
Invest the fair way
No need to slice
Don't swallow the hook of active management
Tee up your retirement savings
by WhyNotUs
Mon Feb 12, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: SWR — Can You Include Real Estate as Part of Your Portfolio
Replies: 24
Views: 1379

Re: SWR — Can You Include Real Estate as Part of Your Portfolio

If you are playing with a calculator and committed to transferring $500k at retirement from RE to investments, then plug that amount in as a lump sum investment at 65 and put it in with your chosen AA at that age. Obviously, there is no withdraw rate for a house that you are living in regardless of ...
by WhyNotUs
Mon Feb 12, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6607

Re: Day trading for a living/career?

Given your interest in finance and knowledge in construction a loan officer for a bank or mortgage broker might be interesting and more interesting for you.
by WhyNotUs
Mon Feb 12, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1535

Re: Driving a rental car in Western Europe

P.S. you probably already know this but some of the countries on your list require international driving permit. Get one if you are going to rent a car. AAA will process one for you.
by WhyNotUs
Sun Feb 11, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 29
Views: 1889

Re: Good Hotel in DC

I fly into National and stay at Grand Hyatt. Blue line from baggage to hotel with no hassles. Great metro connections around town.
by WhyNotUs
Sun Feb 11, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1535

Re: Driving a rental car in Western Europe

Questions: 1. By the time we get the liability insurance, gas, fees, etc. Will it be cheaper than train tickets for 4? I can get some pricing but don't know about insurance, etc. 2. With only reading and speaking English, can it still be relatively doable? 3. Should we just suck it up and pay for t...
by WhyNotUs
Sun Feb 11, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 1832

Re: what to look for when buying a flipped house

Don't think to need to do much different regardless of whether the house was flipped, with any seller must recognize that there is more to a house than a few cosmetic improvements. Does the floorplan work for you? Neighborhood selection criteria met? Can you afford it? If so, create contract with so...
by WhyNotUs
Mon Feb 05, 2018 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 127
Views: 8822

Re: Torn between Vanguard, Fidelity and Schwab

What you put your money into will be more important than the differences between those three quality choices. I have had accounts at all three and currently all in VG but only for convenience. Never had an issue with Fido or Schwab.
by WhyNotUs
Sun Feb 04, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 6391

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

kehyler wrote:
Sun Feb 04, 2018 3:24 pm
So after reading all of the replies, I guess perhaps it comes down to wether or not one believes in factors like small and/or value...
Bingo
by WhyNotUs
Thu Feb 01, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 7587

Re: What advice would you give yourself if you were 27 again?

Emergency Fund - $20.5K Questions: If I stick w/ the Federal govt, I would be eligible for a pension when I retire. If I work until 62, based on the current computation rules, the pension would be roughly 45% of my salary. Due to this pension, I've seen a lot of talk about putting more money into a...
by WhyNotUs
Wed Jan 31, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1540

Re: Paris Hotel Recommendations

I am sure that you have seen the news about the flooding in Paris so you could also ask on that message board about what hotels have been affected by the flooding. The rats moving uphill to adjacent hotels would be more of a concern for me. Yuck! Probably head back to the riverfront as the river de...
by WhyNotUs
Tue Jan 30, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1540

Re: Paris Hotel Recommendations

It would help if you said more about what you want to do. If you are going with Rick, he will probably have you staying over by Rue Cler so I would look to a different Arrondissement. Maybe St Germaine or Marais to the east. Both offer great access to sights. Something around Luxembourg Gardens for ...
by WhyNotUs
Mon Jan 29, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 12938

Re: Larry Swedroe: Rising Rates Increase Worries

Someone talking up something that they would not invest in themselves can be disingenuous However, that does not make advice from someone who has invested in something automatically credible. There is a general feeling that the market's run up, the unpredictability of the current administration, and...
by WhyNotUs
Thu Jan 25, 2018 7:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4098

Re: Happy Birthday, Taylor!

Fair winds and following seas!
by WhyNotUs
Tue Jan 23, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5129

Re: Which tropical Island to Retire to ?

Learn to sail, then learn to cruise, then you can retire to many islands.
by WhyNotUs
Sat Jan 20, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Golf courses on the Big Island
Replies: 1
Views: 172

Re: Golf courses on the Big Island

Mauna Kea, the 3rd hole lives up to its reputation.
by WhyNotUs
Tue Jan 16, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1537

Re: best flooring for a basement wood shop?

The luxury vinyl looks like a decent option for now. I had never heard of it until googling it up. I've laid laminate flooring myself and it looks similar if not easier. DW will likely give thumbs up on it as a good replacement for the worn carpet if we pick a hardwood plank look. It is the basemen...
by WhyNotUs
Tue Jan 16, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: [Mark Cuban -] "Diversification is for idiots..."
Replies: 26
Views: 3816

Re: Diversification is for idiots...

Broadcast.com is such an incredible company, offering vital services to the public compared to Berkshire Hathaway. Mark Cuban has really contributed to society what with cashing out on a imaginary company and appearing on reality TV. :moneybag
by WhyNotUs
Mon Jan 15, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1537

Re: best flooring for a basement wood shop?

Luxury vinyl tile- water proof, tough, easy to clean.
by WhyNotUs
Mon Jan 15, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?
Replies: 18
Views: 2767

Re: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?

Is the overall skewing toward indexing strategies creating more opportunities for traditional, warren-buffet style value investing? Are we seeing a decoupling effect due to a lack of active participants in the market causing some securities to be either too low or too high? Seems like there is some...
by WhyNotUs
Mon Jan 15, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Bike tour in Portugal
Replies: 7
Views: 732

Re: Bike tour in Portugal

Trip still evolving, after more research leaning toward biking in Alentejo region as it seems like a more varied landscape than a coastal bike and of course wine. Anyone been riding there?
by WhyNotUs
Mon Jan 15, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 13
Views: 1422

Re: Kayak Germany flights more than 60% than airline site??

Look at your Lufthansa flight carefully and see if it says "Operated by ...." You might be getting a code that Lufthansa is selling but will really be on another air carrier. If you like Lufthansa, sign up with their specials email. I do and last year about this time they sent me an offer for $460 r...
by WhyNotUs
Mon Jan 15, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 197
Views: 14360

Re: Stats on When People Take Social Security

From 2008 to about 2015, people over 60 who got laid off or otherwise lost their jobs or business had few other options. They needed some income. If you have a nice little 401k and lost your job and needed to pay bills, taking SS at 62, was probably the wises investment move to take.
by WhyNotUs
Mon Jan 15, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 197
Views: 14360

Re: Stats on When People Take Social Security

Leesbro63 wrote:
Mon Jan 15, 2018 9:45 am
Are we truly that small a percentage of the population?
That 1% you keep hearing about.
by WhyNotUs
Mon Jan 15, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3349
Views: 962701

Re: What Movie Have You Recently Watched?

"The Post" a timely retelling of a moment in US politics that feels relevant today
by WhyNotUs
Sun Jan 14, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894019

Re: What Book Are You Currently Reading? Part VI

"Big History" a great reminder how tiny this lifetime is. Mixed review but there have been some highlights and tidbits that have me pondering for a couple days.
by WhyNotUs
Fri Jan 12, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2561

Re: Is this solar panel bid reasonable?

SCV_Lawyer wrote:
Fri Jan 12, 2018 10:53 am
I don't know prices in CO, but in CA, those quotes would seem high. We just put on 9kW of solar (27 LG panels @ 335W) with microinverters. Total cost was $27,400 before tax credit.
$3 a watt seems about right for LG or similar.
by WhyNotUs
Fri Jan 12, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2561

Re: Is this solar panel bid reasonable?

Are you doing the solar panels for financial reasons (logic) or just to be environmentally friendly (emotional)? Hopefully, I'm not coming across as too negative. I'm of the general opinion that home solar doesn't make sense for most people. They can be eyesores, as well. Gee, not sure how someone ...
by WhyNotUs
Thu Jan 11, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: Zimbabwe stock market acting strangely again
Replies: 15
Views: 1944

Re: Zimbabwe stock market acting strangely again

Having been to Zimbabwe, I would wonder about the sanity of anyone investing in their stock market. I guess that is the comparison to bitcoin for me.
by WhyNotUs
Tue Jan 09, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Bike tour in Portugal
Replies: 7
Views: 732

Re: Bike tour in Portugal

Interesting option but no trip during my period of travel
by WhyNotUs
Tue Jan 09, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 12
Views: 637

Re: cost analysis on buying vs. renting skis?

easy choice, keep renting for once a year
by WhyNotUs
Tue Jan 09, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 3412

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

Not sure that you can predict that. This year marks thirty owning our current home and I would not have predicted that. During that time we have purchased other local and remote property for investment or thinking that we would live in it someday but keep ending up here. It now has everything the wa...
by WhyNotUs
Mon Jan 08, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Life at a crossroad: seeking advice
Replies: 54
Views: 6833

Re: Life at a crossroad: seeking advice

7. Yes I have started going for yoga classes before sunrise for the last couple of months and started meditation recently to deal with the agitation. As you might already know, some days are exceptionally good while some days are ridiculously bad. I have been meditating for almost 40 years and that...
by WhyNotUs
Mon Jan 08, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Bike tour in Portugal
Replies: 7
Views: 732

Re: Bike tour in Portugal

Thanks, I have read the Pedal Portugal info. Trying to understand whether there will be enough of a difference in likely weather and wind to keep me from choosing northern route?
by WhyNotUs
Sun Jan 07, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Bike tour in Portugal
Replies: 7
Views: 732

Bike tour in Portugal

Looking at a couple options for late March and early April in Portugal. Either Porto down toward Lisbon or Lisbon south to Algarve. Anyone down either bike tour or biking that time of year in Portugal? We are looking for a self-guided, easy or easy-moderate but it will be important for team happines...
by WhyNotUs
Sun Jan 07, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Investing: Cash Purchase vs. Mortgage
Replies: 10
Views: 1067

Re: Real Estate Investing: Cash Purchase vs. Mortgage

If you are investing, then leverage is helpful in making the numbers work. There are consequences related to your loan capacity but most would choose to put 25% down.
by WhyNotUs
Sat Jan 06, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting Assets in Divorce
Replies: 51
Views: 5153

Re: Splitting Assets in Divorce

You could sell the house and use equity to balance the retirement assets.

Mediator can be a good step in finalizing terms and making sure that everything is covered.

Don't forget college. I ended up paying for all of it x2 by default.
by WhyNotUs
Thu Jan 04, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Mold removal from wood
Replies: 14
Views: 1389

Re: Mold removal from wood

I use it on a sailboat that is stored in the winter and tarped so that there is little/no air flow. I put some on in the spring and right before storage. When I started it took a bottle a year and now a bottle lasts three or four years. Better than anything else that I have used by far.
by WhyNotUs
Thu Jan 04, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 8104

Re: Heading for a top?

Maybe
by WhyNotUs
Thu Jan 04, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)
Replies: 110
Views: 8190

Re: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)

I strongly disagree. Yes, its a fun city and I want to move back, but the public transit is a joke compared to other cities in the world. Public schools aren't even as good as many cities in Texas (with 0 income tax). Also, the city is filthy, probably one of the dirtiest in the country, and homele...
by WhyNotUs
Wed Jan 03, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Two vastly different career considerations...Stability vs. Income
Replies: 67
Views: 4588

Re: Two vastly different career considerations...Stability vs. Income

First, there is no $250k job. There seems to be someone making $250k in commissions.... BIG difference. Really comes down to your aptitude and comfort with the low end of the sales world. If you really want it, sales can be a good career. I would expect a job change every 4-5 years. Burn out rate is...
by WhyNotUs
Mon Jan 01, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5975

Re: Long Term House—Any Regrets on things you didn’t do?

Insulation improvements- went to R-60 in attic and did a better job sealing everything up. It is much easier to keep the house comfortable Solar- for those committed to a home, it makes sense Locally made fixtures and furnishings- hiring local artisans for art, furniture, and dining room light make ...
by WhyNotUs
Sun Dec 31, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9444

Re: I Want to Buy a Horrible, Expensive Car

Lease it, they are into the trouble zone after three years and you just hand it back to them. Buy a used one would be a non-starter for me. They are not good autos.